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You normally need a 2:1 (60%) or a first class (70%) at Undergrad to be considered
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First year grades don't normally count towards your degree grade (or only count for 10-25%) so your first year grades will not usually affect your ability to be accepted onto a Phd course
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Most places require a good Masters and don't accept straight from undergrad
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You need to LOVE researching and writing long essays/reports - if you don't enjoy doing this then you might actually hate the process of a PhD
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You can get a loan for a PhD but you can also get Studentships - studentships are normally where researchers at Universities put out an ad for a specific PhD project that they will fund and people will apply to those - they will normally be fully funded and sometimes the student will get paid a stipend to do the research
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You sometimes need to show evidence of research skills, so if possible try and get a role as a research assistant whilst at Uni