Whether you are buying a new car, looking to make home improvements or consolidate existing debts it is well worth shopping around to get a good value loan. Normally it is best to get the lowest rate of APR possible. By doing this, your payments will be lower than they would be with many other loan offers on the market. This may also allow you to pay the loan off quicker too.
If however if your income varies month to month, e.g. if you are self employedit may be worth getting a flexible loan that would allow you to choose how much you pay back each month. The APR may be slightly higher, however this method of repayment may be more suitable.