you should try RBS, my misses has had an account with them for near 6yrs, and she went to ask about a loan for £5k to buy a newer car, they quoted her %19 APR over 5 yrs , stantander i think was %12APR and M&S i think was %8.4

and RBS is what %80 owned by the tax payer and lost more than £1b last year