No chance in getting the 3.7 APR loan if you don't ba

My partner and I have excellent credit. Sensible spending and borrowing, never missed a payment. Have plenty of money left at the end of the month so I thought I would take a loan with them to buy a car. 3.7 APR was 8.4 APR. Double and a bit. They then proceeded to tell me when I challenged the APR that because I don't bank with them they can not see my spending habits and that's why the APR offered is 8.4%. When I offered for them to see my bank account and spending and saving to review the offer they refused to do so and advised nothing could be done. Underwriter are not interested in speaking to customers.

The application is not very easy to use, you don't get to think about the offer was told to accept the in 3 hours or lose out and re-apply else where.

I should of stuck with moneysavingexpert loan eligibility tool and gone with what was offered on there, from a leading supermarket chain!

Very very very very poor and bad decision process from this bank, will never use them again. I'm going to give it a year at the rate I've been given and then clear it with another loan. We all know if I apply for another loan I will no doubt be rejected.

Avoid them, it's clear if you don't bank with them your not going to get the rates advertised!