There are plenty of firms willing to offer you money, but only go to a reputable firm. They must be licensed as a lender - if you are uncertain about any company, check with the Office of Fair Trading.

Never go to a loan shark. They may try to entice you with an offer that seems too good to be true. Well, it probably is. Loan sharks will charge you astronomical rates of interest and will be ruthless when it comes to getting their money back.

Reputable firms, such as banks, building societies and credit brokers, can be found on the high street, in the phone book or online. Just remember to shop around before you commit yourself.