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It doesn't matter what reason that you're taking out a loan, always the most important question is "Can I afford the monthly repayments?"

In order to work this our you will need to look at your monthly household income. This will then need to be added to all your monthly expenses. Your monthly expenses will include maintenance payements, food, outstanding debts, any bills, clothes and any other miscellaneous spending money. After you've worked this out it's always a good plan to add a safety margin of 10%. You then need to take the outgoings and subtract them from your incoming amount. Then what you are left with is the available cash for your loan.