try credit card companies, their apr is lower and one off fee for a transfer - they will do this to a current account, so looks like a loan - i got one from MBNA at 6.99% and had a bad marker from B Gas

some people hit situations where by they need cash and cant save, like buying a car to travel to a new job as long as future funds are there to repay the loan, then there is a valid case to lend