From: "Zoe Brown" 
Newsgroups: uk.finance
Subject: Re: Idea about overdrafts.
Date: Wed, 30 Jun 2004 20:24:06 +0000 (UTC)

> I currently have overdraft and credit card debts of just under 6K.
However,
> if I need to pay first months rent for a flat and a deposit this will
> increase to say 6.5+K.
>
> Looking at the NatWest site, for example one can get a loan of 10K

Don't borrow more than you need.

> over 84
> months with loan protection.

Forget loan protections.

> c) What conditions are required for the loan?

Depends on the company.

What is the APR ?  If you are a graduate you may be able to get a graduate
loan, ask you bank.

> I have a good credit rating
> with no CCJs or late payments.  However, I have just finished a degree and
> am looking for a job.  Should I wait until I have one,

I doubt you would get credit for a loan without a job. Ask your bank.  Your
bank is likely to help as your over draft is allready owed to them.
Consider the APR though you may find that your OD and CC charge less than
any loan you could get.  When I left uni I had to take out a 10k loan which
was charged at 6% APR which was quite good.