When you fill an online form, you're basically saying "Here's my details - who thinks that looking at these I'll make a good customer?".

Usually the forms are syndicated out to different lenders, who then often reply directly to you with their offer, so you can pick and choose.

The warning I'd give is not so much about giving your details online - as much as be aware that if vendors contact you, they will have some of their smoothest-talking salespeople do it.

So ensure you don’t make any snap decisions over the phone, and do look to consider all offers in context.

Also ask about various associated fees, such as early repayment and exit fees, in case you want to look to move to another provider a few years down the line.