Ok so i feel like i've been doing research online for about a year looking at what loan i should go for and would be able to get.

Im 22, good wage, no defaults no ccjs credit score is "GOOD" 902/1000 (a little knocked but not too bad due to moving a lot when i was studying)

I have two overdrafts with HBOS one at £1500 and another at £300, i really want to clear these.

Im with RBOS at the moment(past 3 months just a current account) but tried for a loan with them and they wont give me one.

Any ideas??