Hi jacab9901,
It depends on what your circumstances are at the moment and what you actually need the personal loan for. IMHO, thinking about trivial things can hold you back time wise, but would it not be better to understand the 'big picture'? When you enter into a personal loan - especially as you say the cost of living, petrol, interest rates etc. - you really need to look at how it will impact your life, whether you can maintain the contract etc. Credit is available EVERYWHERE! Big institutions want to throw money at you. Whatever you decide, I would exercise caution. Btw, when interest rates have dropped it maybe by 0.25% or something like that, but the overall trend is always up.
Good Luck
