I approached HSBC last summer for a loan to finish my CPL ME IR, I wanted £20K but they only lent me £14K with a really
APR.
I wouldn't rush into getting qualified to CPL ME IR level, I wouldn't be surprised if some more smaller airlines go bust this year. What with BMI baby disappearing there will be current experienced pilots all over the shop.
Theres no rush, chill out, save the money and take your time.