Ask whether the advertised rate is a representative APR and what APR you might be offered after an eligibility check, as not everyone receives the headline rate. Check the total amount repayable, monthly payments, loan term, arrangement fees and any charges for late payments or early repayment. Also ask whether the rate is fixed for the full term and whether applying involves a soft or hard credit search. Compare FCA-authorised lenders and read the agreement carefully before deciding, rather than choosing solely on the lowest advertised rate.