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BOS 'Personalised Loan Offer'

MagicCats
MagicCats Posts: 282 Forumite
I've noticed when logging into my Bank of Scotland online banking I have a 'Personalised Loan Offer' What is the significance of this, does it mean I am pre-approved for a loan?

For example it gives figures based on borrowing £16.5k and when I change these it gives me a better interest rate than is advertised. I'm lead to believe the lower the quoted interest rate the greater likelihood it will be accepted?
2012 Wins: 1 x Case of Lanson Champagne :beer:
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