Can you get a loan repaid in one lump sum later?

[HangryBrickShark]

I've been out of work since March when I got laid off. I've recently signed on but have been living off my savings until this point. I only have about 2.5k left in savings and my monthly direct debits and outgoings come to about £1100 per month. I'm constantly looking for work but I'm too over qualified for a lot of jobs which I'd be happy to do (they look at my cv and assume I'll upsticks as soon as anything better financially comes along).

I'm waiting for probate to be finalised, as I'm sole beneficiary, the Solicitor originally estimated May (we cut our cloth accordingly) but now for some reason I've just received notification that the Grant is likely to be at least another 3 months.

I'm fortunate that I own a mortgage free home bequeathed to me which my partner and I live in, so have no mortgage but I can't get equity against it until its in my name, and this can't be done until after probate is finalised when it will be transferred into my name. I really don't want to resort to this anyway.

MY QUESTION IS: I'm considering getting a loan but I'm not able to make monthly repayments if I'm not working, and I'm already paying off a 0% credit card at £93 a month. Is there such a thing as getting a loan which you could repay in one go, say in 12 months time or do all loans necessitate a monthly payment schedule?

I'm really starting to panic. I've always had savings to fall against but I've been eating them up at an alarming rate. I've cancelled all direct debits that I can cancel for non essential things. Help.

Just get a standard loan for more money (eg 13k) and use the spare 3k to make the first few repayments before inheritance, then pay off the rest in one go

No one is going to loan her £13k when she doesnt have a job.

Very stupid and unhelpful remark.

Would you get rid of something that meant so much to you, like a dog or a cat as you've obviously never owned a horse before?

I've been searching for four years for another horse, as my last one was missold me and i was unable to ride, and had to be pts for health reasons. This one is therefore very precious to me, its been a long road trying to find another to love. I bought him last year and have no intention of selling.

Am I missing something? Your partner is refusing to use ISA money to support your household?

No they don't offer grass livery. I've been there 20 years so really don't want to leave and he's fairly high management, he needs 4 small feeds a day and constant grass/forage as he's had ulcers so is back on sulfracate (thank God for horse insurance). Thanks for the suggestion though.

You can withdraw from isas, often there is a specific number allowed per year or an interest penalty, but that would be more cost effective than paying interest in a loan.

The solicitor dealing with my FIL's probate/house sale was happy to advance us £10,000 from the estate as they knew my husband was the sole beneficiary. Worth asking?