Put every cost on one timeline
Record the amount received, every required fee, payment frequency, number of payments, and total repaid. Confirm whether a displayed rate is annual, monthly, fixed, or variable.
Compare like with like
Use the same amount and term when comparing options. A smaller payment can hide a longer and more expensive obligation.
Read the local disclosure
Ask the provider which document contains the binding price, cancellation rules, late-payment terms, and complaint process in your jurisdiction.