PoundWise Team: There is no single best personal loan provider for everyone, as the rate and loan amount offered can depend on your credit history, income and circumstances. Compare the total amount repayable and representative APR from banks, building societies and FCA-authorised lenders, rather than looking only at the monthly payment. Using eligibility checkers that perform a soft search can help you see likely offers without affecting your credit file, although approval is not guaranteed. Check the lender’s terms carefully, including fees, early repayment rules and what happens if you miss a payment.