It really all boils down to security, not degrees or anything else for that matter!
If you can secure the loan, I doubt any bank will ask many questions at all, they will welcome your business as there is no risk to them.
If you have no security then you become a risk so they will ask LOTS of question. The more you want the more questions they will ask and the more you will have to give them the 'hard sell'. The more qualifications and/or experience you have the better chance you will have in this case.
Obtaining the kind of money needed to pay for a CPL/IR is surely going to be VERY tough without security, ou will generally struggle to get more than £15K in this way.
T