A few quick questions
Do I need an account to use this site?
There are no accounts. You can read every guide and download every worksheet without giving us a name or an address.
Why does the total repayable matter so much?
It is the figure that includes everything you will hand over, so it captures the effect of term and charges together. Two loans with the same payment can differ widely on this measure.
What is a credit reference agency?
It is a company that collects information on how people manage credit and sells reports based on it to lenders. You have the right in many countries to see what it holds about you.
Can I take a payment holiday?
Some lenders offer one in particular circumstances, but it may add to the total cost. Ask what the effect on interest and the term would be before you agree.
Who regulates lenders where I live?
Each country has its own authority, and the name varies. Your government's consumer website will normally point you to the right one.
Check the early-repayment questions
Check the inputs and conditions behind an estimate before treating it as a written offer.