There's never been a better time to get a personal loan

2012 has been an incredibly competitive year in the personal loan market, with market leading rates falling by almost half a per cent since the turn of the year.

Back in January M&S Money took top spot in the best buy tables, cutting the typical APR on its loans of between £7,500 and £15,000 to 6%. But since then, competition has steadily forced the top rate down.
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