If borrowing lolly, choose the product with the lowest price and the minimum quality you'll be happy with. The truth is that the interest rate that you will end up paying is going to have a huge effect on the amount of dosh that you pay out each month. Choosing a product that you are absolutely sure that you can afford is very important. It is even a much better idea to choose a item that is a whole lot less than the amount that you can afford to spend, to make sure that you will be able to continue to pay for it.