Because the time is closer and they know they won't be able to tax you for a long time so they rather make your interest higher than the others so they can take out some more money in a short period of time without the people noticing.
i think its because with a 2 year loan . it works out better with money for the place your loaning from, but ten again, you have to pay back that loan in the future so idk .hope its right
