Generally low rate secured loans are given for customers who have good credit history and they have not made any defaults in their old payments. Some customers place high worth properties as security which includes house, car, gold etc. As the banks are on the safer side, they offer low interest rates for such customers. Some times customer may need small amount as loan for which the banks can offer low interest rates.
A lot of well reputed banks in united kingdom and united states of America are trusted for low rate loans. Some small companies also offer low interest rates.
Halifax offers interest ranging from 8.5% to 9.5%. Tesco Banks offer interest loans lessen then 8.5% which is lesser than Halifax. These are the typical low interest rates.
Black horse offers personal loans with rates of around 11 percentage. The loans for home owners for lesser loan amounts also can be given for 11 percentage.
Nationwide is another bank offering personal loans. the interest rates for a amount between 7000 to 9000 Euros varies around 7%.
Another bank, Bank of Scotland gives very secured loans and the repayment methods and rates are also very lower. Other bank like alliance also offer very low rates.
But once has to be very careful when choosing the bank based on rates. For longer repayment periods, if the rates varies in due course of time, there is a chance of these rates getting compounded to very higher rates. So the terms has to be read well before signing the contract.