Early 30s, good credit score and never used loan or overdraft.
The situation is I am leaving a toxic job after years there and have some weeks between the end of that role and my new job (which involves a £10k salary increase).
I didn't have to have a break between roles but I am mentally and emotionally exhausted and my body is crying out for a break. My home needs attention (a joiner to fix a few things), I have both parents significant birthdays days apart and a trip to visit an old friend I haven't seen since before covid.
I'm also finding food bills etc very expensive and am already looking at how to budget for a short period.
For a loan - I would only need around £500 although the general offering is from £1000.
I took out an overdraft with the bank 6 months ago which I have never used but thought I might have to. The reason I want a loan instead of overdraft is because I can't stand the anxiety of getting to 0 then dipping into it
.Seeing the loan and the money there would feel much better and mean I could actually relax and somewhat enjoy those weeks before new job.
For the record, my partner already gifted me £350 but it hardly made a dent
The alternative is sticking with what I've got but not enjoying my break because I'm counting the pennies day in day out