Even though I have never been in debt or use a overdraft or get behind with repayments I have struggled getting a loan for my BA the lowest APR of 3% companies all rejected my applications so left me with my own bank of 7.9% however I’ve just applied with tesco bank 4.9% and they accepted straight away so if anyone’s struggling I suggest trying tesco bank! Hope this helps some people out its horrible being rejected especially if you look after your banking!