There are many places where you can get credit from these days. It used to be that you went to a building society for a mortgage and a bank for a loan, credit card or overdraft. However, these days many institutions are allowed to lend money and so it is harder to choose where to go.
It is a good idea to go to a company with a good reputation. Choose a well established company that have been around for some time as you can trust them to follow the rules. You also need to make sure that they are regulated by the Financial Services Authority who are a body that look over financial institutions to make sure that they are trading fairly.
There has been a lot in the news recently about financial institutions and how they are not doing that well profit wise and some have been shutting down. If this is a concern for you then make sure that you go with a well known name and check their profits to ensure that they are doing well.
It can be wise to speak to friends and family about the financial institutions that they use and whether there are any that they would recommend. If someone recommends a company then they are likely to be very good as we tend to be much more likely to complain about a company rather than say something good about them. It might also help you know what companies to avoid which can be useful as well.
Some people choose to borrow from friends and family rather than going to a bank. This can be a good idea if you want to have a lower cost loan as people tend to lend with no interest rate attached, or at least a very low one. The problem with borrowing from family is that it can be a cause of problems if they want the money back and you cannot afford it. It can cause rows and rifts which are not nice and it can be better to pay more to borrow the money just to avoid this sort of thing happening.
Another way to choose is by finding the place which is offering the best deal for you. Think about how much you want to borrow and for how long and then investigate who can lend you that money at the lowest overall cost. This should help to narrow down the options and by forming a list of the five most competitive places you will then be in a better position to make a selection, bearing in mind the points above.