Personally I wouldn't buy a camera on credit. Actually I wouldn't buy anything apart from my house and maybe a car on credit. If you cant afford to pay cash.. you cant afford to pay for whatever 'it' is AND the credit charges! and it's not like cameras get more expensive each year, quite the converse!Tthat aside.....
As reply in 'Beginners'... buy the 'cheapest' body you can get away with, and the best lens for the job, and save the pennies or the credit limit for when you have got started and actually have some 'problems' new or better kit might solve. at the moment you dont.
My reccomend, would be 2nd hand D3100 as you used to have, and for the 'job' suggested, an 18-140 Lens
D3100 is basic, capable and very newbie freindly camera, that's damn good value for money 2nd hand.
18-140, is as good as the camera body, and very useful 'walk-around' lens, covering a very useful zoom range to get you started. It ent the 'best', but its versatile, its reasonably 'cheap' and once you have started banging it against the f-stops or zoom limits you'll know what you 'really' need or want.
Such a set-up ought to be procurable for under £250... wait a couple of months NOT paying the monthlies the credit on what you are looking at and you'd have half that cash in your pocket! And when you know better what you need, ought to be able to trade it in for very little loss.. unlike buying on credit, where if you try selling on you are likely to have to clear the credit, and pay however many years 'interest' you have signed up for, even if you 'settle' after the first installment's been made. Trying 'blind' to buy it all in one go, on the neva-neva, and trying to 'future-proof' over however long the finance deal lasts, when you really have no idea whether what you are buying is the 'best' gear for the gig?