Speedbird 9,
You might like to look into a credit card. Once you have one and maintain good conduct on it they are ridiculously easy to inrease the limit on and are often lower interest rate than personal unsecured loans. In fact if you have an ongoing balance you can transfer the balance to a new card for a limited period of time, say up to 12 months, at zero or close to zero interest. When the low interest period expires just roll the balance over to new card. Sometime you will have to pay it back but that strategy should keep you going close to interest free for a few years. Cant do better than that especially when inflation is 4% plus! If you do it right the real rate of interest can be negative, ie the bank pays you!!! The catch is the high interest rate after the honeymoon preriod expires so you must roll it over.
You will need a full time job though and answer the application questions 'correctly'. The applications are assessed by a computer which doesnt like for instance frequent changes of address, less than full time employment, or significant other financial liabilities.