service charge, or interest just to give it a other name,. a bank is a comercial institute,. the only way wy the lent money is to make more money hence the charge cost,. either interest or service cost.

my advise go by the cheaper option,. wy pay high service cost if you can get the same amount of money for a lower interest rate,. its your money you should keep as much for your self as possible instead of "giving it" to a bank