Peterperfection gives good advice there.
You're considering a 5k loan. I'd assume you wouldn't be taking it out for a stupid long term so it would cost you a couple of hundred quid per month over 3 years. Put that couple of hundred together with the 70 you're now saving for getting rid of your other debts and top it up with another 70 quid of cutting back, and put that together with whatever you should be currently saving. Use that 350+ per month to do your diy one bit at a time. If you're currently not saving then you can't afford a loan, especially when the interest rates rises.