Quick answers
Why do you not name any lenders?
Naming lenders could look like an endorsement, and offers change constantly. We would rather teach you how to assess any lender yourself.
How do charges affect which loan is cheaper?
A loan with a lower rate but higher fees can cost more overall than one with a higher rate and no fees. Adding all charges to the interest shows the true position.
Should I use all of my spare cash to repay early?
Not necessarily. Many people prefer to keep an emergency reserve before making extra payments. The right balance depends on your circumstances and on any early-repayment charges.
What is an unsecured loan?
It is a loan with no collateral behind it. If you stop paying, the lender cannot take a specific asset directly, though it can pursue the debt by other lawful means.
Where can I find free debt advice?
Many countries have non-profit organisations that give confidential help at no charge. A government consumer website is a good place to find those operating where you live.
Check the early-repayment questions
Check the inputs and conditions behind an estimate before treating it as a written offer.