The APR (Annual Percentage Rate) is a method of providing a true comparison between different personal loan interest rates. It shows true interest rate of personal loan you are being offered.

The lower APR on a loan better because it means you have less interest to repay - so loan is cheaper. Interest rates vary. And, it's worth bearing in mind that some lenders are only interested in lending to people whom they regard as a 'low risk'. These people may secure lower interest rates.

Lenders vary in their approach, they'll want to ask personal questions about your finances and your future plans before making up their mind on whether to lend and at what interest rate.

If you cannot pay back loan for whatever reason, talk to your lender at earliest opportunity. They'll want to consider carefully your individual situation. If they reasonably believe your financial situation may improve, they may be prepared to suspend loan repayments for a while or extend term of loan. In final instance, they can insist on debt being repaid.

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