did you get payment protection

just rang halifax, and got one for 6.9% so gone for that, best out of the lot.

cheers guys for all comments:thumbs:

Don't keep applying for them :|

Everytime you apply for a loan that goes against your credit history and other loan companies can see this, not being funny but I would just go with the Northern Rock one else you might end up not being able to get anything.

quote:

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Originally posted by andysri
i am shopping round for the best APR.

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quote:

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Originally posted by Adam
9.9% is pretty good apr for a load

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you are more likley to get a loan if you are likley not to make the payments

^^^ yeah but it all goes againt ur personal circumstanses. :mad:

look on moneysupermarket for the best apr

nationwide, cahoot

it was only post office which never accepted me, i have completed an application form for A and L. i am shopping round for the best APR. but looks like i will have to stop and grap what i can.

never knew if u filled in loads of application forms it goes against u if u dont get accepted.

If you keep racking up credit searches as well wont help.

nationwide!

Trouble is - if you've been declined by one place, they transfer info between each other so they know if you've been turned down.

Use the bank you bank with.

quote:

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Originally posted by Greasemonkey
Sainos are doing good loan rates at the mo think they are like 6.6%
I got my loan through Northern rock its fixed at 6.4% they lent me 15'000 squidley didleys. And im almost black listed and have bad credit scoring against my name

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Sainos are doing good loan rates at the mo think they are like 6.6%
I got my loan through Northern rock its fixed at 6.4% they lent me 15'000 squidley didleys. And im almost black listed and have bad credit scoring against my name

quote:

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Originally posted by CCA
If you apply for too many places and dont get accepted it can make your credit rating worse so if your not getting accepted maybe wait a few months

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If you apply for too many places and dont get accepted it can make your credit rating worse so if your not getting accepted maybe wait a few months

Strange. Loans are easy to get.

I would take northenrock.

I would try only one more company. I had a small loan for a small period which I have now paid off and I used Tesco's, they were fantastic.. I think i paid 6.7%,

Remember the APR is all dependant on your own circumstances...

If you start applying for loads of loans and they keep rejecting you it will look bad on your credit rating...

That's why i say go for the northanrock one..

I've not got a loan but have a credit card that I use occasionally (I always pay it back before I have to start paying interest) and got told it would mean I'd be able to get a loan just cos I have a credit card?
Also if you have an account with a building society rather than a normal bank and you regularly put money into it then your apparently more likely to get a loan. Never had to apply for a loan so far myself so dont know how true it is!

[Edited on 16-01-2006 by Matty G]

ul get one with barcleycard, they gave me one ffs :lol:

try barclaycard

i have one with alliance and leicester, not a homeowner, not a great credit rating, and they gave me one

barclaycard are cheaper though

9.9% is pretty good apr for a load

age, house ownership, income. I can get a loan and I'm a student lol

been trying to get a loan, as i havent had a loan before or any other finances. companies arent accepting me. i have a credit card, and i pay back every month. i have no outgoings a month,so will be able to afford to repay loan easy. tried:

1. Post Office ---not accepted
   
2. Northenroack ---Accepted but 9.9% :!
   
   
   so applied for allience and leister and going into my banks after Abbey and Halifax to see what they can do.
   
   i thought its easy to get a good cheap loan these days. but bloody hell its proven hell!!
   
   anyone else found this? with not having a loan before?
   
   [Edited on 16-01-2006 by andysri]
   
   [Edited on 16-01-2006 by andysri]