When you compare personal loan rates, look at the APR, total amount repayable, loan term and any fees—not just the advertised interest rate. Many comparison services and lenders offer an eligibility check using a soft credit search, which usually does not affect your credit file, but check before applying. The rate shown in an advert may only be available to some applicants, and your final rate can depend on your circumstances and credit history. Compare FCA-authorised providers and check the full agreement before deciding.