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If you're looking for a personal secured loan, you've probably been told that there are lots of great deals out there, but not given a great deal of advice on how to find a good deal on a personal secured loan.

Are you looking for the best secured loan? Of course you are. It's important to remember that "best" is a subjective thing. The answer to the question changes depending on the circumstances. It depends on the definition of "best". A much better question when you're on the lookout for a loan is "Which is the best loan for my needs right now?"

Many financial advisers will tell you to compare the APR of two loans when you're looking for the cheapest secured loans. More and more, though, experts are suggesting that APR is flawed, and the best way to find the cheapest secured loans is to compare loans by total cost.