HI THERE, MY SON HAS THE EXACT SAME PROBLEM.
TRY THIS THREAD FROM SAXPERIENCE.
HOPE THIS HELPS
Best available rate 9.20%
Total repayment £9,304.93
Total cost of credit £1,804.93
60 monthly payments
The Representative APR is 13.2% (fixed) so if you borrow £7,500 over 4 years at a rate of 13.2% p.a (fixed) you will repay £199.21 per month and repay £9562.20 in total.