Hi What is your credit rating?
Only bad scores use Citifinancial because usually they are more expensive because of the extra risk involved.
But I would use this to your advantage as they are willing to give you a £3000 reduction on your loan if your credit is "iffy" I would probably take it or if you feel aggressive say to them that you will only take on their loan if they give you a further discount of maybe 5%.
It doesn`t hurt to try, Remember they are one of the highest APR loans available
anything cheaper is a bonus

Kevin