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Default Pulling data from multiple rows and columns

How can I use a formula to pull data from a table with labeled columns and
labeled rows that when I select a column label and a row label it would
cross reference both to select the value. For example : a pricing sheet
shows % of loan amounts financed in columns and rows show FICO scores, cross
reference those and you will find the interest rate for a customer with the
given FICO and % loan. How can I use a formula to pull that up given % and
the FICO?
 
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