I have a query regarding a loan my that mum took out, never used a forum so I'm hoping someone might know the best course of action..

She took a loan with Sainsburys for £12,500 last May over 5 years and has made all the subsequent repayments of £255 to date, and the loan now stands at £11,300 I think. She wanted to increase the loan by £3000 to which Sainsburys said they would consolidate the loan, add another £3000 to the outstanding balance to create a new loan bringing the repayments up to £286. Unfortunately she is retired and they have told her that she doesn't earn enough even though her repayments would rise by a mere £31.

What I want to know is what is the best course for her to take? Will she be turned down by other lenders if she tries to take out another loan to pay off the Sainsburys loan and give her the additional £3000 she requires? Or would she be best to just try and take out a separate loan for £3000?

Which would be the better lenders??

I hope someone can point me in the right direction... Many thanks...