Anyone good at knowing about loans?

[mosschops30]

Would you apply for a loan from your bank at 8.9% knowing that youd pretty much be guaranteed the loan.
Or go to a different lender for 7.9%

The difference is only £4 a month in repayments.

I have a good credit rating, I was given a limit of £4k on this years credit card which is pretty good I think given the current climate.

I'd shop around for the lowest APR you can get if I were you. 8.9% is still quite high and over time the repayments will be quite a lot more than with a lower interest rate. Have you had a look at Motley Fool? good luck

I'd go for the lowest rate you can get personally. The one from your bank is a back up if you can't get better.