Compare the representative APR, total amount repayable and monthly payments, rather than focusing only on the headline rate. Check whether the lender charges arrangement fees, penalties for late payments or fees for repaying the loan early, and consider whether the repayment term suits your budget. Use eligibility checkers where available, as these may show your likelihood of acceptance without a full credit application, although results are not guaranteed. Before applying, check that the provider is authorised by the FCA and read the agreement carefully.