It's cold hard cash upfront. U can't get a loan from another
bank since only 1 original log card is available. Also dun think u
can increase existing loan with yr bank since the amount is locked
in under the Hire Purchase Act, which i believe was done before Nov
this year which prohibits u from getting re-finance.
A less attractive alternative would be to get a loan from F&M
(Father & Mother) or (F&R) friends and relative. 