I need a unsecured personal loan of lb5000, I go to money supermarket.com to find the best deal and they recommended Alliance & Leicester beside a typical APR of 7.8%, applied for loan and got excepted but the APR they offered is 11%, which technique total charge for credit is lb852.00 (for loan over 36 months). My credit rating is excellent so does anybody ever get the typical APR and is 11% polite or bad

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Answers:    It doesn't of late depend on the credit rating, other factors influence such as the amount you borrow. The more you borrow the lower the % is.

Try some other bank, shop around.
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