I don't make loans, but you can pawn something to me if we could meet in person. In exchange for an item valued at $25.00 I would be willing to give you the $20.00, provided you pay back the principal, plus 5%, plus 5% interest compounded weekly after a one week grace period, and your collateral will be returned once your debt is paid in full. I can only go through with it if we can meet face to face because it's just easier for me, and also so that if you should fail to pay me back within a given period I can send someone to break your thumbs. I am serious.