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If you could save the money in a few months but want to do it as cheaply as possible is it worth considering applying for a 0% on new purchases credit card just for this? Or if the person carrying out the work wants cash applying for a Virgin Money Transfer Card which has a 1.69% fee then 32 months at 0% as long as you make the minimum payment? So the loan would cost just over £27 if paid off within that time period.
±ln(x)
Only have a £250 overdraft and Ulsterbank personal loans start at £1k. Shit rate but it's only £100 or so for the year.