Is anything on this site a personal recommendation?
No. Everything here is general information. We do not know your circumstances, so we cannot tell you what to do about a specific loan.
FAQ
Worth knowing
Why does my monthly payment look so small?
A small payment often means a long term. The balance stays outstanding for longer, so more interest builds up. The total repayable shows whether the saving each month is worth it.
How do I dispute something on my credit report?
Write to the credit reference agency, identify the entry and explain why it is wrong, and include any evidence you hold. They are generally required to investigate and respond within a set period.
What is a representative example for?
It illustrates a typical deal using stated figures, so that you can see how the advertised rate translates into a real amount. It is a guide to the product, not a promise of your own terms.
Should I borrow the maximum I am offered?
An offer is only a ceiling set by the lender. How much to borrow is your decision, and it is usually wise to borrow no more than the purpose requires.
Understand your preliminary loan result
Check the inputs and conditions behind an estimate before treating it as a written offer.