loans.co.uk

[sax51]

been thinking on getting a loan and i have some forms from this company never got a loan before just wondering if any body has used them before as when it comes down to loans am in the dark :y: :n:

[Clouds_mate]

www.moneysupermarket.co.uk

fish through there old boy. Find the best APR

[Danr]

Try money supermarket.co.uk, i did and could see it all or phone a financial advisor, I think pug boe does finance so pm her to :)

Leckie, you got me this time.

1 - 1

[saxooxas]

you sure you want to take a load out? when i worked at a certain bank id see so many accounts where someone had taken like a small loan and cause theyd lost their job or something they couldnt pay it and it became a huge sum of money because of interest.

[saxodan]

speak to your bank

[Leo]

talk to frank

[AdamW]

have a wank....






I had a loan a while back....maybe best getting it in you parents name as they will rape you on APR

[Saxo-Slag]

Dont do it mate.You will end up in the same shit as me. Im having a right load off cr*p with my bank atm

[AdamW]

Dont do it mate.You will end up in the same shit as me. Im having a right load off cr*p with my bank atm

If you cant afford to borrow money, then its simple......DONT

[sax51]

ok will give them a go

[saxodan]

talk to frank

hahaha

[sax51]

might just try and save

[Mystic]

speak to your bank
talk to frank
have a wank....

I love this place lmao

[saxodan]

might just try and save

Savings for girls
go to the bank :panic:

[Saxo-Slag]

If you cant afford to borrow money, then its simple......DONT

I could but I'm out off work and now they are saying I'm in stupid amounts off dept when i'm not. So shhhhhhh

[AdamW]

I could but I'm out off work and now they are saying I'm in stupid amounts off dept when i'm not. So shhhhhhh


Sell your Car, or a kidney......desperate times call for desperate measures....bank charges are the worse and missing payments can only lead to a poor credit rating later in life....

[Saxo-Slag]

Sell your Car, or a kidney......desperate times call for desperate measures....bank charges are the worse and missing payments can only lead to a poor credit rating later in life....

How about NO. I aint that desperate

[AdamW]

Big Bad Bruce the bossy badass bailiff will be banging on your door then........



The Use of the letter 'B' in that post rocks

[saxodan]

Big Bad Bruce the bossy badass bailiff will be banging on your door then........



The Use of the letter 'B' in that post rocks

awesome & amazing alliteration their adam

[Saxo-Slag]

Big Bad Bruce the bossy badass bailiff will be banging on your door then........



The Use of the letter 'B' in that post rocks

I don't live at the address they have.haha

[Didz]

might just try and save

i personally think this is your best option, i know its gonna take you longer to get what you want but im pretty sure in the long run you will be alot better off than getting a loan, you end up paying stupid amounts of interest, i just dont think its worth it!

[pug_boe]

yup thats right danr i work in secured loans and loans.co.uk is one of our brokers, cant say there has been any complaints about them they are a pretty good and efficient company to deal with.

[AdamW]

I borrowed 5k and then claimed I was a Polish Citizen, now I get free healthcare and a box 20 McNuggets at the end of my shift

[devilsadvocate]

Went to the bank for my car loan. Apr is 16% cause im only 19 but can easily afford the payments. Plus you dont have to pay a stupid ''Admin'' fee of £40 then wait 3 million working days for a cheque to come through. If you get accepted they give u the money there and then. im 19 earning 16k and ive got £10000 of credit with them. only used 7 at the moment thou. Plus a bank is less likely to send a fat, old bald man round with a clipboard and a transit to rob your stuff if you can't pay.

[pug_boe]

that is a very high apr rate to be honest, regardless of your age, its more than likely your credit rating that caused it to be so high. Loan companies dont send collectors around anyway thats the worst case scenario - same with the banks lol

it's all about shopping around at the end of the day

[devilsadvocate]

I went to other loan companies and they would do it for less but would have to wait a zillion years for a cheque, pay so called 'Admin' fees (total crap). This was all after they sent me paperwork which i had to return and after making like 10 phone calls. It just wasnt worthit in the end. Also they pass your details onto other companies (Even though i specifically asked em not too) and you get hasslef like 20 times a day.

Went into the bank, said i want a loan, she put it through, walked out 20 minutes later with Seven grand in my bank. My Credit rating is perfect. I pay everything on time.

[Barry123]

16% :omg:

Fair enough. I'm all for avoiding a loan if a can. Most people I speak to have regretted getting one.

[Ant_Jackson]

I sit and underwrite loans all day long as a Senior Underwriter :bored:

I work for the company that owns Loans.co.uk, Virgin and Abbey Credit cards

Just remember a Typical rate isn't the rate that you might get. By law 60% of Customers must get the advertised rate but the other 40% get what your Credit score or profile dictates. Also most banks have their own scoring system so if you get a copy of your Credit file from Experian or Equifax , your score maybe different with your bank

Virgin start at 6.9%, offer a payment holiday at the start of your loan and no redemption penalty to settle early ;)

[sim69er]

how do you know if you have a good credit rating the only thing ive got on tap is my phone

[devilsadvocate]

Basically the more credit you have the better your credit rating (assuming you paye everything and on time too). Credit rating needs to be built up. If you only have a phone contract, you will only just have a credit rating. You can build it up by getting a credit card, buying something and then paying it off. The more you do that the more you will build up your credit rating. Thats what i did

[Ant_Jackson]

Too much Credit isn't good. We look at your debt to income ratio or DTi. If you owe more than you earn it's not good, especially if its revolving Credit i.e Credit cards. Secured Loans(mortgage) are ok if paid spot on. H.p and personal loans are slightly different, in regards to your DTi. Some H.p's look massive eg with interest a 10k loan would look on your Credit file as 12kish(depends on APR%) at the start of the loan, on your Credit file. That would bump your DTi right up but we take that into consideration
It's really case of having the right balance. Mobile phones don't show how a Customer would pay a loan so we don't really look at them tbh