With no flying hours the bank probably won't be interested in you, go and get your PPL (beg borrow or steal the money somewhere) then talk to the banks, at least that way you'll have shown some commitment and you'll have a better chance of them taking you seriously. Of course there's always the chance you mightn't like it as much as you now think and be stuck eating a huge slice of humble pie after jumping through all the hoops to get the loan!!!