Islamic banks here does offer a interest free loan but that doesn't mean they don't charge you anything and simply give you a loan. For Islamic banks, they have something called "Profit rate" which will be added along with loan amount + Management fee (If there is any ) + Insurance fee (If there is any) etc. End of the day you will be paying some percentage additional but they don't call it as "Interest"

Molten, There nothing free in the world. you expect bank would give you their money for nothing ? lol.