Term Loan Interest Rate, any room for bank to manoeuvre?

JimFin

Registered User
Messages
7
I'm looking for a term loan of €10K+ over 4 years. My own bank, PTSB are quoting me a rate of 12%. Can I haggle on this or has my branch any scope to offer me a better rate from that which is published?

I really don't want to go moving my a/c to avail of the better offers in other banks and Credit Union not an option as I'm not a member.
 
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