Whats the best bank to get a personal loan from with really low apr?

The best bank to get a personal loan from with a really low APR is as follows according to how good your credit score is.

The Best Personal Loan Company With Low APR
(1) Lending CLub
(2) Wells Fargo
(3) Prosper

Best Personal Loan for Impeccable Credit
(1) Sofi
(2) LightStream
(3) Earnest

For Less Than Perfect Credit Score
(1) PersonalLoans.com
(2) Peerform
(3) Avant
(4) Vouch

Best thing to do would be to know exactly what your credit score is and then match your credit score to the right loan. Overall if you have good credit and want a low APR I would suggest you try Lending Club, Wells Fargo and Prosper. Lending Club and Prosper and peer to peer lending platforms that are not banks. I have included the peer to peer lending companies because they now have very LOW APR which rivals the bank rate. 6.8% for 12,000 dollars is a good rate for a loan, if you have impeccable credit you might be able to lower it to 4.8%, but as you've mentioned you have OK credit I think this is the best rate possible to be honest. Hope this helps and good luck with clearing your debt.