When you compare personal loans, look beyond the advertised representative APR and check the total amount repayable, monthly payments, term, arrangement fees and any early repayment charges. Use eligibility checkers where available, as these can indicate your chances of acceptance without usually leaving a hard search on your credit file, although this depends on the provider. Compare loans for the same amount and term, and only borrow what you can comfortably repay alongside your existing commitments. Before applying, check that the lender is authorised by the Financial Conduct Authority and read its full terms.