I guess its possible not 100% sure how its done though, another way to do it would be to get money transfer card/s then transfer funds into current account and then pay off the loan (might even save a few s with settlement figure) BUT its a big ask!!!!
To get 20K money transfer availability you would almost certainly need more than one card or as you say a lender with a high limit, it would all depend on your income.
Then there’s the question of how many cards do you have at present, the less the better I would say in what your trying to achieve, if that’s the case get applying (maybe 3 months apart) and see if you get high enough limits to do the fund transfer into your current account.
One thing I nearly forgot (whilst thinking about your query) most card companies give you a 60-90 day expiry date on making transfers from account opening so you may have a problem in getting enough cards/limits in time to make the transfer/s, 2 cards would be the maximum you could get in time to action the transfer IMO.
Its a tough one, no real easy answer with the amount your working with.
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