No. They have screwed up every interaction possible I think they are beyond redemption. My old neighbour (now passed) bought in a year for the family a Q7, S5, S1 and A8. And even he sadi they were awful to deal with.
My accountant had an A6 years ago and drove from the East end of...
Those are usually based on:
1. their ability to buy cheap credit (based on their historic bad debtor/ income ratio)
2. your ability to manage that credit. (credit rating)
If both are rubbish the rate will be high. And viceaversa
A personal loan will be much cheaper. Or even better if you can afford too and have a good credit rating get a 0% credit card and buy it on that. They pay it off over the free period. Sainsbury's bank was doing 2 years.