I haven't looked to see how they are charging the interest but CUL/FL/Manhattan is 1.39% per month, Standard Life and Casualty is 0.5% per month and UNL is 1.00% per month according to my advance agreements with them. The contracts are several years old..I used to see that from different companies, but I don't see it much anymore. But that's just me. I haven't looked at a new advanceable contract in quite awhile. What companies do you know of that are still charging interest on advances?