If you're doing any kind of regular paid work, the country is groaning under the weight of companies wanting to loan you and I loadsamoney. But Yes, of course, the snag is, they will certainly want their money back - with generous interest on top for every day that you were in debt to them. Make sure you stick to high-street name banks and finance companies, not loan sharks who will bleed you dry for years to come and then sue whatever's left. Unless the "need" you have is utterly essential, unavoidable and life-threatening, I.R's advice is correct - forget what you "need" until you have worked long enough and saved hard enough to pay for it out of your own money.