When choosing a personal loan lender, it is important to compare offers from multiple lenders. You should also consider the following factors:

• Interest rate: The interest rate is the most important factor to consider when choosing a personal loan. Compare interest rates from multiple lenders to get the best possible deal.
• Approval Requirements: Every lender has its own threshold for approving potential borrowers. They consider factors like income, credit score, and debt-to-income ratio. If you fall under or below-average credit, look for lenders that utilize other soft approval criteria like allow – co-signers, or education and employment history etc. 
• Repayment term: The repayment term is the length of time you have to repay the loan. Choose a repayment term that fits your budget and financial goals.
• Monthly payment: The monthly payment is the amount of money you will pay each month to repay the loan. Consider your budget when choosing a monthly payment.
• Fees: Some lenders charge fees, such as origination fees, prepayment penalties, and late fees. Be sure to ask about fees before choosing a lender.
• Customer service: It is important to choose a lender with good customer service. Read reviews of different lenders to get an idea of their customer service reputation.

Before getting stuck with one lender, always shop around different areas and compare the offers so that you won’t regret it for the rest of the few years till the lifetime of the loan period.