Talk to a dope re money matters/credit

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I need to borrow £600
I currently have a loan of £2000 with Ratesetter, with 2 installments left to pay - end of this month and end of next month.
I have been approved for a top up loan with same company with a minimum of £1000 payable over 12 months.
APR on this is 17.9% APR.
It says the cost of the loan is £80 (for the £1000)

The alternative is putting the £600 on my credit card - the rate of which is fixed at 2.94% APR until January.

Am I missing something entirely or would I be better paying off £100 a month on the credit card, or would I be better getting the loan?

Apologies if this is an obvious answer to some, but I'm just reticent about putting a balance on my credit card that I can't pay in full monthly if that makes sense.

Your loan contract summary
Remember you can pay off your RateSetter loan in part or in full at anytime without charge.

Your loan
Amount £1,000.00 APR 17.9%
Loan term 12 months
Loan fee £80.00
Total loan £1,080.00
Your repayments
12 monthly payments £91.03
Total cost £1,092.36 This includes your loan, all fees and interest paid.
Of which interest £12.36

What do you need the loan for?

You'd be better off on the credit card, but only if you will be able to pay it off asap, as otherwise it will go back to high credit card rates in january.

This may sound obvious but since you said you're a dope about money... Lots of small (ish) loans is usually a red flag for someone living beyond their income. Loans can snowball quickly, have you done a really good budget, including making sure you are building up savings and rainy day money? Moneysavingexpert has a great spreadsheet, or if you need more support, Christians Against Poverty or other organisations might be able to help.

The loan is for my teeth!

I just called Lloyds as I was confusing myself and the guy was saying it was going to be a lot cheaper putting it on the credit card.
My concern was I suppose, that I wouldn't be paying off the full amount of the credit card debt each month (100/month of the 600), and felt that might affect my credit rating, so thought in my obscured logic that getting a loan might be better.
Just ignore me.

If you only need £600 then dont take the Ratesetter loan if £1000. That's just economics.

The Ratesetter loan repayment is £91pm.......not much different to the £100pm you would pay back every month to your credit card.

Put it on your credit card & make sure you pay it all off before the low rate expires.

Thanks, will put it on the credit card.

It only affects your credit rating if you don’t pay the minimum payment on your credit card each month.

When I bought my new mobile I purposely got a new credit card to buy it that was interest free for nine months so I could keep my money in my savings account and earn interest on it until the interest free period on my cc was up. I then paid it off in full from the savings.