Please take a look at the financial landscape around you and don't limit that to your own personal credit worthiness or rating. The banks are going through a squeeze to say the least and that will most definately impact not only on whether you get the loan but at what cost and yes a loan like any service has a 'price'. Many on here are blinkered by their training and that is indeed a fundamental part of this argument but must be balanced with your everyday commitments and needs.
Please think about your actions in the longer term as many on this thread have already advocated. This whole 'short cut' mentality isn't necessarily bad but can also prove rather more costly in the longer term.
Best of luck whatever you choose.