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Given that you may need to solve both your short term issue related to and the offers on this page may do so, here are some ideas for longer term issues. Don't have credit card debt. Pay if off as your first priority. The outrageous interest rates and penalties can have you paying for years to come and maybe decades. Consider it the creditor of last resort. Spend on essentials before you spend on 'goodies'. Once you know you have met your basic needs on a cash basis, you can then purchase the fun stuff so long as you don't go into debt. Don't forget to set up regular payments to a savings plan. Savings will help you through the occasional 'rainy day'. Thus, with some new financing at a lower rate and a disciplined plan for savings and spending, bank prime loan rate may no longer be an issue.

There are a number of US government departments that offer consumer related information related to credit and household finance. One of the best publications is the 2006 Consumer Action Handbook. The companies represented on this page provide some interesting propositions which could be helpful for bank prime loan rate or other finance related issue.