Is your best option going for the cheap loan? You want to take out a secured loan, but times are hard and the last thing you need is more monthly outgoings. So you look for the cheap loan, the deal with the best initial low rate, maybe with interest-free payments for a limited time, so you can keep your debts down. But is that your best option? You may be paying less now, but what about in 12 months time? Or even in 60 months time? Will the cheap loan work with your other financial responsibilities in the long run?

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