Normally a bridging loan refers to buying a house & deals with larger amounts of money, so I'm not sure this is what you need. I would talk with your bank, term loans are normally >1yr so it might just be an overdraft you need.
It looks like personal loan/over draft rates vary from about 7% to 11%, which over 4 mths would be about €200 to €330 in interest.
On another note, it's not considered a good idea to re-mortage to fund "lifestyle" spending. Given that you'll probably be changing car every 2-3 years, you should be looking to pay off the 9K in that time frame. Similarly for home decor, 5-10 years maybe.