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The banking option is more reliable than other options but when you are with lower credit score than needed for a bank loan, then you can think of other options as well because the loan has become an indispensable need, and that, you can’t do with having a loan otherwise your property might the at the risk of being auctioned.
Another facility that is these days available is that best part of getting loans in a way that the loans can be transferred from one bank to the other as per your convenience. A personal loan is the best loan but you must first make sure that you will be able to repay the agreed installment according to your current income otherwise you will have to face the music.