Happy_2008
Member
Registered: 13th Mar 01
Location: Kent
User status: Offline
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How hard is it to apply for loans??? i can apply for a online loan with Lloyds TSB buti doubt they would give me one. I work for family business and get paid cash in hand so have money to pay them back. However, i am not actually employed cos i only work about 2 days.
Also i have always had good credit  , always paid my bills off in time So how hard is it to apply for a loan. If i can im thinking of getting around £9k
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Joff
Member
Registered: 17th Oct 00
Location: Cambridgeshire
User status: Offline
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It's easy to apply for a loan, the only problem is assessing your credit rating - which only the lenders can do.
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vibrio
Banned
Registered: 28th Feb 01
Location: POAH
User status: Offline
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I suggest you do a google search for personal loans. this will give you websites shich do searches for the cheapest loan from around 400 lenders
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Drew
Banned
Registered: 24th Nov 01
Location: County Durham
User status: Offline
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quote:
Originally posted by Happy_2008
Also i have always had good credit , always paid my bills off in time
dont nessecarily (sp) go on you - eg, if your dad didnt pay something back, if u live in same house, this will affect your credit rating too
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ed
Member
Registered: 10th Sep 03
User status: Offline
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I really wouldnt recomend getting a loan unless you have a good credit rating though, cos you may be obliged to use a company like Ocean Finance or The Mortgage Lender - those shitty ones off the TV. If you work it out, you pay so much on the interest it really wasnt worth it in the first place... My opinion anyway...
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CORSA NUT
Member
Registered: 3rd Aug 01
Location: Wirral
User status: Offline
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Try the Auto trader website mate 
Just look for any car and underneath it will have a box asking 'How much do you want to borrow' with the price of the car in..
Just change it to 9K and it will give you a massive list of companys with the lowest APR first.
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Nath
Member
Registered: 3rd Apr 02
Location: MK
User status: Offline
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quote:
Originally posted by CORSA NUT
Try the Auto trader website mate
Just look for any car and underneath it will have a box asking 'How much do you want to borrow' with the price of the car in..
Just change it to 9K and it will give you a massive list of companys with the lowest APR first.
Beat me to it 
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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Its fairly easy to get loans even if you're a bad risk - as Ed says, there are companies willing to do it at the right price.
So long as your place of residence has a good record and you actually do have some borrowing history then you should certainly be considered by a lender.
If it's for a car though, I'd get proper car finance. It's generally easier to get out of should the car be written off or not worth the outstanding balance. You don't have that luxury with a personal loan - it stays outstanding until you've paid it off.
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John_C
Member
Registered: 5th Mar 03
Location: South east, Bromley
User status: Offline
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get it on a mortgage (family even) much cheaper credit
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--DAN--
Member
Registered: 3rd Feb 03
Location: Bottesford. Drives;3 Series
User status: Offline
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I contacted the AA for a loan for a car I wanted on Tuesday night, got an instant decision over the phone, and the check arrived by Courier on wednesday night. AA is 6.6% apr, BTW. That was a 10.5k loan.
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Happy_2008
Member
Registered: 13th Mar 01
Location: Kent
User status: Offline
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Where do u work dan??? that was a quick decision!
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robtj
Member
Registered: 3rd Dec 03
Location: Woodley, Berkshire
User status: Offline
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save up
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CorsaLad16v
Member
Registered: 5th Mar 03
Location: Sheffield UK Drives: Volvo V60
User status: Offline
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i'm gd with my money... so far! i wudn't get a loan unless i really needed it.
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kenryso
Member
Registered: 9th Mar 03
Location: Greater London
User status: Offline
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try cahoot.co.uk , they are quite good
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