Pay to get it fixed pretty soon. A lot of pads have a little indicator on them (little metal tag poking out) that starts to run on the rotor when you've got a couple of mm pads left. Thats probably the noise you've got. If you leave it too long the tag starts to make a groove in the rotor and you might need a new pair (not really something you want to pay for).
Could also just be a stone in the brakes somewhere.
If you want to change the pads yourself its pretty easy. Whip the wheel off, remove the bottom bolt on the brakes and it should lever up and the pads will basically fall out. Push the piston back slowly with something (making sure the brake fluid reservoir doesn't overflow), throw new pads back in, put that bolt back on and wheel on.
Pump brakes a few times to make sure they're there and then bed them in (instructions usually on the box. If not then take it for a drive going to 50km/h and slowly brake to 5-10km/h. Drive for about 100m to let them cool a little and repeat. Do about 8-10 stops like with increasing pressure each time until you're braking quite hard for the last couple. Drive a little further between stops just to let the brakes cool each time.
Or if its a stone, just pull it out
