Start with your budget
Compare the total repayment with income, essentials, existing debts and an emergency buffer. Borrow only what you need. A lower monthly instalment can still mean a higher total cost.
Read before agreeing
Check the provider’s registration, personalised quotation, fees, insurance, repayment dates and consequences of missed payments. Do not rely on a calculator as approval or a final quotation.
Ask for help early
If payments are becoming difficult, contact your lender or a registered debt counsellor. Taking another loan is not required to use our guidance or Everyday+ tools.
Updated 20 September 2026 · Information and reference estimates