You’ll usually provide details about your income, employment, address, monthly spending and the amount and term you want to borrow. The lender may carry out an eligibility check using a soft search, followed by a full credit search if you apply, and will assess affordability before making a decision. If accepted, check the APR, total amount repayable, fees and repayment schedule carefully before signing the agreement. Compare FCA-authorised lenders and avoid making several full applications in a short period, as these can appear on your credit file.