The best personal loan provider depends on your circumstances, including your credit history, borrowing amount, term and affordability. Compare representative APRs, total amount repayable, fees, early repayment terms and whether the lender offers an eligibility checker using a soft search. Consider banks, building societies and FCA-authorised specialist lenders, but remember the advertised rate may not be offered to every applicant. Check the lender on the FCA Financial Services Register and read the agreement carefully before applying; independent guidance from a debt charity may help if repayments could be difficult.