I’ve recently got a loan (~35k) with the idea of using that money for marketing once I’ll be done with development. It kind of works the same way - I’ll either launch the product and pay it off early (paying just 3% of the amount in this case) or keep paying 9% interest rate for 6 years. An important difference is that this money can actually work for me, when I’ll launch the product which provides positive motivation for me.