Although not a careers guidance counsellor, I think you could consider graduate recruitment schemes (Aldi springs to mind - they recruit all year round). If you did decide to stop on another year at uni, you most likely be doing a Masters and, given the lack of funding, you'd most likely have to pay for it.
I'd pay the Prospects website a visit. They have lots of degree subject-specific career suggestions and free psychometric tests that you can use to help you decide on what career you may be suited to. It's good that you're thinking about these things early because, hopefully, you can narrow down what you want to do and start applying in plenty of time.