What are the monthly repayments on a £15,000 loan?

Over 5 years: 5.9% APR is about £288 a month (£2,294 interest); 7.9% APR is about £301 a month (£3,089 interest); 9.9% APR is about £315 a month (£3,892 interest); 12.9% APR is about £335 a month (£5,109 interest).

Yes. At 7.9% APR, 3 years costs £1,829 in interest against £3,089 over 5 years, but the monthly payment rises from £301 to £467.

Lenders advertise a representative APR, which only has to be offered to 51% of successful applicants. Your rate depends on your credit history and income. Many lenders show a personalised rate with a soft search that doesn't affect your credit score.

At 7.9% APR over 5 years, £10,000 costs about £201 a month (£2,059 interest) and £20,000 about £402 a month (£4,118 interest).

Yes. You have the right to repay a personal loan early, which cuts the interest you pay. The lender can charge a limited fee, usually up to 1% of the amount repaid early (0.5% if less than a year is left). Check your agreement.