No doubt the wise like Bezelbub will sniff out a better deal after much searching, but for everyone else 10 minutes on the atpl finance website will give an answer as to if finance is available at very short notice.
I still don't see how this is any different from any other loan?
I got mine through Tesco at 4.8%, a fair bit better than the 9.95% being offered on this site. Just because it's got ATPL written at the top, doesn't make it any different from any other financial product, just like calling something a pay day loan doesn't mean it's not a rip off.
Seems like you do need to sign up to a school but it does say if the school goes bust your money is safe and can be transferred to a different school.
True, but it does mean you're tied to one school, so if you're not getting on well there you're stuck, as it seems this loan company pays the money direct to the school, so you never actually see it. When I did my IR I took a loan, the money was then in my bank account. At the end of each flying day I settled up with the school but at all times the rest of the funds were in my account giving me the power, and knowledge of the balance.
There are numerous threads and posts on this site warning of the dangers of paying up front, but paying upfront through a finance company where you never actually see any of the funds seems like a difficult place to be, I'd rather shop around for a loan and have more control.