The Devil indicates that there may be a tendency to make hasty or impulsive decisions. You may need to be aware of the consequences of your actions before taking any action, especially in relation to finances. Also, the general symbolic meaning of the card speaks of addiction to material things, something that could influence Barbara's decision.
Two of Pentacles reversed suggests that Barbara should be very careful in managing her finances as she could end up in excessive debt if she is not careful. On the other hand, this card can also indicate that Barbara is struggling with financial difficulties or having trouble staying within her budget. Also, this card suggests that Barbara should find new ways to manage her finances rather than resorting to using personal loans.
In conclusion, Barbara's decision to take out a personal loan may be a little too hasty and perhaps it may not be the best solution for her financial problems. Financial difficulties can have a significant impact on Barbara's life and therefore she should look for other ways to manage her finances so as not to incur further debt.