Check whether the calculator shows the monthly repayment, loan term, APR, total amount repayable and any fees. Try different borrowing amounts and terms, but remember that the result is only an estimate and the rate offered may depend on your circumstances. Ask the lender whether it uses a soft eligibility search or a hard credit check, and whether you can repay early without charges. Before applying, compare FCA-authorised providers and make sure the repayments fit comfortably within your budget.