Check whether the calculator shows the representative APR, monthly repayment, total amount repayable and any fees, rather than focusing only on the monthly figure. Ask how changing the loan term or amount affects the overall cost, as a longer term may reduce monthly payments but increase total interest. Also check whether the result is only an estimate and whether applying will involve a soft or hard credit search. Before choosing a loan, compare the lender’s full terms and consider whether the repayments are affordable within your budget.