Ask the lender for the APR, total amount repayable, term, monthly payment and any arrangement or early-repayment fees. Check whether the loan is secured against your home, as missed payments could put your property at risk. Confirm which debts will be repaid and whether you must close or stop using existing credit accounts. Ask what happens if you miss a payment and whether the new payment is affordable throughout the term. Compare FCA-authorised providers and consider free debt advice before applying, especially if you are already struggling with repayments.