I can't comment on loan front directly, but I can share briefly my experience and cost so far to give some insight as someone who is currently on the modular route. I should be at around the £30k mark when I get my CPL - so that includes PPL, ATPLs, hour building and CPL. You'll still need your ME-IR, MCC and JOC if you want to go to the airlines and I would anticipate you would be needing the extra £20-25k for those depending on where and who you do them with. This doesn't include your type rating, which will be more than likely bonded in some form.
I'm doing all my training in the UK - moving to Poland or where ever else for a short period is no option for me - so consequently things cost a little more anyway. Time for modular vs integrated is barely any these days - word on the grapevine at the moment is that
an integrated provider in particular are not hitting their "18 months" window sale value - it's taking more like 22-24 months meaning there's barely any difference in going modular if you intend on going full time anyway, whilst saving 40-50% in cost.
Depending on your credit history and circumstances, you could approach some banks (or P2P lenders, such as Zopa) to help finance any short fall. I've used Zopa in the past (car purchase) for a £10k loan and was approved on the day of application and received the money a few days later. May be worth a look - I would recommend them. You can make overpayments and repayment in full early with no fee - unless that's changed, that's how it was with mine