The term "best loan" has different meanings to different people.
In the majority of cases the "best loan" someone will find will normally be the cheapest one. ie. the loan where the total sum repayable to the loan company is the lowest. But there are occasions where this is not always the case. Some people regard flexibilty as equally important. If, for example, they envisage a situation where they may be able to pay the loan off early, then some flexibilty to do this may count more than just getting the lowest rate. So whatever the reason you need the extra money, perhaps bill consolidation or home improvements, the "best loan" for you may not be the best for someone else who would appreciate more options in terms of payment holidays or good-value insurance cover.