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When David Goss, co-founder of Trump Singles.com, first started his dating site for supporters of President Donald Trump, he didn’t know how far it would go.But more than a year later, the country is more divided than ever, and the app is thriving.But like Ok Cupid, e Harmony has seen the number of users willing to date people of other political stripes shrink dramatically in recent months.

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The APR (annual percentage rate) tells the true cost of a loan taking into account the interest payable, any other charges, and when the payments fall due.

Your bank may say it offers preferential rates to its current account customers but you might still find there are cheaper loans available elsewhere.

However, if you don’t think you will be able to repay your debt within the 0 per cent offer period, you may be better off with a long term, low rate deal.

Right now, the Sainsbury’s Bank Low Rate Credit Card offers a rate of 6.9 per cent APR on purchases.7.

Many loan providers will apply a charge if you wish to do so, so it’s a good idea to check how much this might cost before you apply for a particular deal.

If you think there is a good chance you will want to settle your loan early, it may be worth searching for a deal that comes without any early repayment charges.4.You might find a credit card is cheaper and a card with a 0 per cent introductory offer on purchases will enable you to spread the cost of big purchase interest-free.The longest 0 per cent deal currently is 16 months from Tesco Bank.Natwest and RBS only offer their best loan rates to current account customers.3.Think about early repayment charges It might seem unlikely at the time when you take out a personal loan – but don’t forget that it’s possible you will be able to pay off your debt early.Check out peer-to-peer lending If you’re anti-banks you might want to borrow from a peer-to-peer lender such as Zopa.

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