Personal Loan v Car Loan

In the market for a second hand car and trading in old one. Looking at options and the best buys. Have not got a personal loan in ages and last car bought with credit union. Their rate is 8.95% for creidt union and have enough savings to obtain the loan seems higher rate than others?. It seems the banks do better but these are more like HP agreements re car loans and would not own car until last payment What are the current rates for personal loans and would I have to move banks, if not currently with them

have a look here http://www.itsyourmoney.ie/cs_group_personal_loans.htm

Thanks seem the APR of 8.95% with the credit union is not so bad in comparision to the rates on these for personal loan