I have a loan that I have less than two years less to pay. The interest rate is 5.9% and I pay £288.49 a month. this was over a five year term. I need to borrow another £9000 to pay off credit cards. My question is should I take out a seperate loan and have two payments keeping the original loan at a good interest rate or should I refinance the lot Hopefully I may be able to pay this loan off within the next 18 months so is it best to take it over the minimum number of years possible or keep the repayments low and save some. Thanks

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You gotta tie yourself to the mast my friend, and the storm will end.

In my experience it is best to keep the loan you have seperate as rates are much higher than what you have already got at present. If you can take out a consolidation loan to clear just your cards and perhaps do a secured loan as it offers better rates (if you own your house as you haven't said) you will probably find you will pay out a lot less with 2x loans rather than a loan and all your credit cards.