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[quote][i]Originally posted by Chris[/i] Best thing to do is visit your own brach and advise them you are leaving, for another bank with an offer of the APR you wish to pay. I it most likely they will beat the offered APR to keep your business as they know in a few years you will be back to borrow more. Some banks currently have a lower ability to lend money due to most of the borrowing customers get 3% rates and making little profit for them. If you have never taken out a loan you dont have any previous credit information so this may well be reflected in the offered APR. Also make sure the loan is not front loaded, this means you will not pay of capital per month if you wish to move the loan another leander. Another option is Barclays Premier account that offer 0% overfrafts for 10 notes a month plus you get some other extras, also the larger amount you take out will lower the APR [/quote]
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