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drunkenfool	posted on 27th Jul 04 at 02:14
	Im using my overdraft that i get for going to uni to get my car resprayed. Not quite the same thing cos its intrest free and i got 4 years to pay it back, but as a general rule, i wouldnt bother with a loan :lol:
nickyboy01	posted on 26th Jul 04 at 20:56
	Dont get a loan to pay for your insurance, you'll be paying for xxx months and when next renewal comes what ya gonna do then? Get another loan?
mav	posted on 26th Jul 04 at 20:51
	i have never took a loan to modify a car..ooo did take wheels on credit once..... Be sensible is best option and don't take it over a stupid amount of years..
Ojc	posted on 26th Jul 04 at 20:48
	I know people that get loans to modify cars, I done this once...never again :lol: Idiots that get themselves so many loans and credit cards just so they have what they think is the best car. But after all the money from the loan has gone they are unable to drive it due to having no money for petrol. Idiots, don't do it. Do what I done, do it monthly bit by bit.
mav	posted on 26th Jul 04 at 20:45
	oiss pff:o:P
Colin	posted on 26th Jul 04 at 20:40
	quote: Originally posted by mav again.BOLLOCKS.................:lol: refer to my above post..............:o:P yuck fou:thumbs::mad::lol:
Colin	posted on 26th Jul 04 at 20:39
	quote: Originally posted by mav bollocks. had loads of loans over the years..and all paid off now.But I wanted or needed i would take another one out... if you KNOW you can make payments and take out repayment/illness insurance why not.. why wait 3 years to get something when you can get it now.. just do not overstrectch your self on payments.. be realistic and shop around for quotes.. how the hell do you think all those other ppl afford things...some might save up or have plentyof cash but not most ppl... why not save up then and get a house..cause you want it now..thats whats loans are for...(and i know houses usually go up in value and cars go down blah blah..before somebody says it) Be sensible though :o Bit different tho Mav, I could walk into the bank tomorrow and get a loan to buy say a Mitsi Evo 8.........Im not going to tho, theres being sensible and theres being stupid. If its only say about £1k over a year if you really want something then yeah go for it.......I just dont see the point of getting big loans to spend on cars that aint gonna be worth jack shit once you paid it off 4 years down the line:look:
mav	posted on 26th Jul 04 at 20:37
	again.BOLLOCKS.................:lol: refer to my above post..............:o:P
Colin	posted on 26th Jul 04 at 20:35
	quote: Originally posted by kerzo i am thinking what your parents are thinking, its just a car, like colin, the only loan i would have would be a mortgage :thumbs: Exactly, id much rather wait and save for something rather than borrow from the bank, especially for a car which is only going to depreciate and lose you even more money. Save up and pay cash up front, you know it makes sense:P
mav	posted on 26th Jul 04 at 20:34
	bollocks. had loads of loans over the years..and all paid off now.But I wanted or needed i would take another one out... if you KNOW you can make payments and take out repayment/illness insurance why not.. why wait 3 years to get something when you can get it now.. just do not overstrectch your self on payments.. be realistic and shop around for quotes.. how the hell do you think all those other ppl afford things...some might save up or have plentyof cash but not most ppl... why not save up then and get a house..cause you want it now..thats whats loans are for...(and i know houses usually go up in value and cars go down blah blah..before somebody says it) Be sensible though :o
kerzo	posted on 26th Jul 04 at 20:27
	i am thinking what your parents are thinking, its just a car, like colin, the only loan i would have would be a mortgage :thumbs:
Mav 3000	posted on 26th Jul 04 at 20:24
	Whats the rush? Save up like everyone else - why give someone your money for nothing but an expensive advance in return??
Colin	posted on 26th Jul 04 at 20:23
	Yes you just get ripped off:\| I would never take out a loan other than a mortgage!
waynep	posted on 26th Jul 04 at 20:23
	want it so i can get a new car modify it and pay insurence :P
kerzo	posted on 26th Jul 04 at 20:21
	what do you want it for?
Dom	posted on 26th Jul 04 at 20:21
	unless u can 100% pay it back then yes it is :lol:
waynep	posted on 26th Jul 04 at 20:21
	my parents think im a twat for wantin a loan is it a bad idea?