How do I compare personal loans in the UK?
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In short: Compare total cost over the term including fees, check representative APR limits, use soft eligibility searches first, and match loan term to what you can repay.
Last reviewed:
Reviewed by Kaiser Khan
Representative APR applies to only 51% of accepted borrowers — your rate may be higher.
Longer terms cut monthly payments but increase total interest.
Arrangement fees added to the loan increase true cost.
See compare personal loans guide and loan repayment calculator.
Primary source: fca.org.uk/consumers/loans
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