Enter the amount you want to borrow and choose a repayment term to estimate your monthly payment and total cost. Compare the APR, as this includes interest and some fees, but remember the advertised representative APR may not be the rate you’re offered. Try different terms: a longer term can reduce monthly payments but usually increases the overall interest paid. Use the result as a guide, then check the lender’s full terms and affordability assessment; an FCA-authorised lender should show the actual cost before you apply.