Some lenders, including Lloyds TSB and Royal Bank of Scotland, offer better rates to internet customers than they do to people who apply in person at a branch or over the phone. However, there are cheaper rates available.
Some loans are more flexible than others.
Egg and the Woolwich are among the lenders that allow people to take payment holidays, while Sainsbury's Bank gives borrowers the option of deferring their first payment for up to three months.