I have been shopping around this morning for a €7k personal loan and first active have quoted me 8.64% variable over 12 months, I am planning to pay back this early and there is no early repayment penalties. I was on IFRSA and had a look at the surveys and this seems to be quite good, also am with PTSB and they were only offering me 9.9%. Do you reckon this is a good deal?