Up to about £15k, maybe more, any loan from your bank will just be approved by a computer so I doubt you'd even get to speak to someone with the authority to offer a better rate.
that would appear to be the case. the APR ranges wildly depending on where you shop - sadly i've told 'computer says no' by two of the cheaper (3.2%) ones already - i suspect this is because i've only been in my new jerb for 4 months. dicks.
Up to about £15k, maybe more, any loan from your bank will just be approved by a computer so I doubt you'd even get to speak to someone with the authority to offer a better rate.