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Corsa Sport » Message Board » Off Day » Loans? » Post Reply
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Fro |
posted on 13th May 12 at 19:33 |
Was going to say 0% credit card like others have said. | |
Toby |
posted on 13th May 12 at 18:57 |
quote: Credit ratings are measured in points, the highest being 999. | |
taylorboosh |
posted on 12th May 12 at 20:16 |
dont need to be highly paid, just need to pay what you owe on time | |
fred7 |
posted on 12th May 12 at 20:07 |
All these rates r great if u r highly paid with a credit rating of over 92% (wat i was told by bank) if u av been offered 18% then think u wud struggle gettin those low rates | |
taylorboosh |
posted on 12th May 12 at 20:03 |
natwest 6.9 | |
Bart |
posted on 12th May 12 at 19:37 |
Halifax are about 8.8% IIRC | |
fred7 |
posted on 12th May 12 at 19:35 |
Rob r u cant always pay lump sums off incase paying the whole lot off. I found supermarkets are best. Ive had loans off tesco and coop and always been quick and good rates. If they accept u online they then do a full check and sometimes cum bak with a higher rate or same rate if all is good. | |
Rob R |
posted on 12th May 12 at 19:09 |
Take out more than you need to get the lower rate, pay what you don't need straight back off of it. | |
JaffaTB |
posted on 12th May 12 at 19:05 |
i've thought about going mad and applying for loads of loans and credit cards and taking a load of cash out and just not paying it back or offering a fiver a month, and then i realise im just being daft :lol: | |
pow |
posted on 12th May 12 at 18:49 |
My virgin credit card I catransfer money into my current account and still keep the 0% finance deal. | |
taylorboosh |
posted on 12th May 12 at 14:22 |
It goes up from what they say they will offer | |
neoquip |
posted on 12th May 12 at 13:58 |
quote: +1 | |
kennySRi |
posted on 12th May 12 at 13:57 |
Jamie - Unfourtanetly it cant be paid off by a credit card. | |
ed |
posted on 12th May 12 at 13:50 |
quote: Depends on how quickly they do it, often your bank will give you the loan (in principle) on the basis of a shadow credit file they hold on you (i.e. not one held by a credit agency). If you accept the quote they give you they do everything officially and will have the money with you within a few hours or a few days depending on what they quote you. [Edited on 12-05-2012 by ed] | |
Jamie Walby |
posted on 12th May 12 at 13:50 |
quote: Definitely the route I would go down. Obviously only if the thing you need the money for is payable on credit card. | |
kennySRi |
posted on 12th May 12 at 13:48 |
Thanks for the suggestions, il have a look on there now ed and mark :) | |
kennySRi |
posted on 12th May 12 at 13:47 |
Just been onto my online banking and when i go onto the barclay loan option it says iv been selected for one upto £20k. I obviously dont want to take this out so put the amount i want and it was 18.9%apr which is a bit steep. Im not going to do it today but if i was to click apply for that does that mean i can get it within the 3 hours it says or will it then go through my records and may tell me that i cant have it and it was just an example of what i may be allowed? | |
ed |
posted on 12th May 12 at 13:47 |
For £3k in over one year, it might be cheaper to get a 0% credit card (or maybe more than one depending on the limit): http://www.moneysavingexpert.com/loans/cheap-personal-loans | |
IvIarkgraham |
posted on 12th May 12 at 13:46 |
sometimes its better to get a larger loan (7.5k usually) because the rate is far superior | |
kennySRi |
posted on 12th May 12 at 13:35 |
I seem to remember last time i went onto my online banking (barclays) it was offering me around £10k but i didnt click it as i thought it was just a message everybody will get. Maybe i should go back onto it and see what's what. I dont want £10k though :lol: | |
richc |
posted on 12th May 12 at 13:30 |
Online. I got £10k without seeing anyone and took about 5 days in total. | |
kennySRi |
posted on 12th May 12 at 13:27 |
Pretty simple really, im needing a smallish loan (around £3k) and i can easily pay it off whether it be in a year or 3 years but i dont know where the best place to go and what i shall do first? Back in my youth i didnt have the best record for paying very small loans back but since then i havnt touched one and have been in a job since then for 6 years with, although not a large, a steady income. |