Many of us end up taking out a personal loan at some point in our lives. It is often very tempting to do so when faced with the need to make a large payment.
Personal loans have their place, and can bring benefits, when used carefully and used with care.
Your ability to repay the loan should always be the priority when you approach the lender, because defaulting on your loan will bring a lot of grief in the future and negatively impact your ability to get credit in the future.
As always, you should do your research before taking out any loan. Sites like reviewsbird.co.uk can be a help in narrowing down your decision so make use of them.