I do not want to risk my account being collateral for 50usd, so Escrow would be needed and I always make sure to tip the person providing the escrow. So it will go on top of the interest.
Thank you for your reply though, as said i'll probably pay back even sooner, it's just a request and it's only needed for this month, after which my request closes because the loan will nog be needed anymore.
I prefer to do business with 1 person instead of getting 4 loans of 0.10 which I do not wish to have on my account as a way of going about.
I have no problem with using an escrow, as long as it's somebody i trust... I've had good experience with Ognasty (but he charges a fee), and i've heared great things about monbux and master-p.
Anyways, you're always free to send me a PM with your offer, already incorporating the escrow cost, and i'll see if i can grant the loan on your terms
Edit, 1.4% daily intrest would look somehting like this:
http://altcoinhosting.com/loantools/intrest_nl.php?day=6&month=10&year=2015&amount=0.2&collateral=0.31&rate=1.4&submit=calculate