Consumer Credit Department . How may I help you ?   I need some info on car loans . Such as payment periods , interest rates , things like that , please .   Certainly . Do you currently bank with us ?   Yes , I do . I have a Current Account , a credit card and a mortgage with you already .   That's excellent . Well , for our Personal Automobile Consumer Loan we offer some really competitive rates . The maximum repayment period for this type of loan is 5 years .   I plan to repay it within 2 years . And the interest ?   Of course , the interest rates depend on what is announced at the time , but at the moment , the interest for a 2 - year loan is 5.29 %   So the rate is variable ? OK , that's fine . How about the frequency of repayment ? 