There is no single best personal loan provider for everyone, so use a calculator to compare the total repayable amount, representative APR, monthly payment and any fees. Check your eligibility with several lenders using soft searches where available, as the rate shown in an advert may not be the rate you receive. Banks, building societies, credit unions and FCA-authorised online lenders may all be worth considering, depending on your circumstances. Before applying, check the lender on the FCA Register and read the full agreement carefully.