OK, I need to borrow 4-5 grand, where would be the best place to go?

[nailpolish]

Should i try the bank first?

would the bank lend me any money considering i am permanently overdrawn

not sure about banks but egg are quite good and flexible. Their rates vary, but seemed quite reasonable for me.

Have had bad experience with egg, so wouldn't necessarily recommend. Your bank might be prepared to say yes immediately, given that they will have your history etc. But you should check their rate and see if they'll do it and then shop around or negotiate, go back and tell them what you've been offered and see if they'll match it. (lloyds offered us this ages ago)

yes, i think ill do that WWW, cheers

thanks for the link Mals

cant u borrow money off your mortgage? (if u have got one?)

What about getting a 0% credit card?

I'd recommend either a 0% card (if it?s short term), or a flexible loan, so you can pay it back as soon as possible. Don't put it on your mortgage unless you've got a flexible mortgage, otherwise, although the APR might be lower, the term will be much higher which means you'll pay far, far more in the long run.

i am trying to avoid putting it on the mortgage, we have a good mortgage but we only moved house last year, theres loads of penalties on it

i would take out a 0% CC but dont think i could afford the payments, unless i chop and change CC's to a new one every time the 0% ends til i pay it off?

Glad you're not putting it on the mortgage.

0% cards might work for you, but remember that most of them charge a fee now for balance transfers, so unless you think you'll be able to pay it all off in a single 0% period, you're probably better off looking for a more standard loan.

If you go down the loan route, by all means talk to your bank, but you'll probably be able to find cheaper deals via the net (Egg, Nationwide, Carhoot etc). It might also be worth looking at Zopa

However, if it was me, I'd still be tempted to go for a flexible loan. £5,000 at, say, 7% over 5 years is going to cost you just under £100/month (calculator ), and you may find with a flexible loan you're able to pay it off sooner (5 years is a long time - I've got a non-flexible loan and wish it was flexible!).

Northern Rock are doing a good rate at the moment.

Another thumbs up for Norther Rock.

aha, thanks for the recommendations