Which loan to go for? The MYA one or one from a bank??

My bf is planning to apply for a loan for me so i can get my nose job that i’ve wanted for years, around august. He doesn’t think we’ll be able to get one. I know i will be unsuccessful as i only work part time and earn just over £600 a month. He works full time and earns just over £1200 a month. What’s the criteria for the MYA loan? Because a lot of people on here have been turned down when they have an excellent credit rating. Is it better to go to a bank or try MYA? We don’t live together atm which i know will probably affect it. Any advice will help x

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