Hmm, I like Sainsbury's loan calculator. Let's see, if I want to pay back £100 a month, I can borrow £1000 for a year, or £6600 for 7 years! ... now that I've said it out loud it doesn't seem so useful.

It seems their 6.1% only applies to the largest of large loans. Still, the idea of having a nice, comfortable £3000 to play around with does appeal somewhat, even if I will be paying it off until I'm 33.