It's the dreaded word "loan". I don't think you will honestly get a cpc lower then £3.00 and i would think it will be the same for Bing.
even gdg's long tailed phrase is a whopping £5+
You could always increase your portfolio?
I do have the following: (all co.uk)
loans-fast
simply-loans
1loan
just-loans
loansource
premiumloans
toploan
0800loans
freephoneloans
.