Should i Get a Loan? How does it work?

It's simple really. A UK loans provider gives you a sum of money - normally a lump sum, and you are expected to pay that amount back using regular payments over a defined period. Your loans payments go partly towards repaying the capital on the loan and partly towards paying off the interest on the loan.
But is it really personal loans that you want? Well, you need to look at a few factors. How long will you need in which to repay the loans? Is it less than a year? If it is then you would be better advised to use a credit card. If you need to borrow money for between one and five years, then loans might be better. Then there is the amount of money you want to borrow. If it is less than £5000, then having a credit card would mean you can pay it off at your own pace, although the interest charges will be higher. Should it be over £5000, you should use loans.