Be cautious of lenders advertising an unusually low rate without clearly explaining whether it is a representative APR, as the rate offered may depend on your circumstances and credit history. Other warning signs include requests for an upfront payment before approval, claims of guaranteed acceptance, pressure to decide quickly, or a lender unwilling to carry out proper checks. Check the firm on the FCA Financial Services Register and read the full terms, including fees, penalties and the total amount repayable. If you are unsure, consider speaking to an FCA-authorised financial adviser or a free debt advice charity.