The UK was hit hard by floods this summer. For a lot of people, it was a wholly unexpected situation. Homes and property were damaged, not to mention all the contents and vehicles. It takes time to recover from disasters, but it also takes money.
Not everyone has the financial resources to rebuild homes and purchase all new furniture from savings. Like it or not, you do have to consider loans. If you are looking at personal loans, you have the option of secured loans and unsecured loans. Secured loans mean that you need to have some form of collateral, for example bonds, shares, or property. Unsecured loans do not need collateral, but are often more expensive (i.e., they have higher interest rates).
Whatever you choose, make sure that you are able to repay your loans, otherwise you will find yourself with a growing pile of unpayable debt.