The problem is I cant really work and do a CPL/ IR
Actually, yes you can. If you go the modular route and plan your courses in leave and other time off, it can be done - there are plenty of people who've done just that on this forum.
If you want to fly, you have to accept that paying a truckload of money for the training comes with the territory. It can be done, but it takes an enormous amount of dedication and determination. There is, as others have said, lots of info here about which banks to approach and how to approach them, but remember you are going to borrow enough to buy half a house - and you have to pay it back. That's a hell of a commitment; think carefully before you (or your parents) take it on.
Scroggs