A personal loan cost breakdown should show the amount borrowed, interest rate, APR, monthly repayment, loan term and total amount repayable. APR can help you compare loans because it may include certain mandatory fees, while the total repayable shows what you could pay overall. Also check for arrangement fees, late-payment charges and any early-repayment terms, as these can vary between providers. Use the lender’s representative example and personalised quote, then check the FCA-authorised provider’s full terms before applying.