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Additional Details
....without being a whore. lol.... |
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me!! | I want to take out a £4,000 loan but i'm not on alot of money. any tips or advice? |
Additional Details
I really have to. its a last resort
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wavebreakin
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Have you tried your bank? If you have been with them for a few years they may see your income and outgoings and offer you a decnet loan with a good rate. Try NOT to go to any dodgy loan people its really not worth it. I guess as well it all depends on how old you are and exactly what wage you earn. This is wwhy i would suggest your bank as like i said they can see your history and go off that.
Barclays are really quite good for loans and you could try Halifax.
Also make sure if you do get a loan that you can pay off more than your monthly amount if you want to or pay it off fully before the end of the term without getting a big fee, you never know if you had extra one month!
My only ohter thought is do you have a credit card and if so how much is your limit on there? I really hope this money it totally needed, loans are not good at the mo!
Good luck anyway x |
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yaboo
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Unless you really have to try not to take out a loan... |
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Scobill
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If you really do need your hands on the £4,000 the number one thing to bear in mind is make sure it is a reputable company , DON'T use any backstreet money lender as they have ways and means to get it back and will charge interest rates to make your life unbearable .
Issues you will have is what you can use as collateral , and are you in regular full time employment . If you have both and no other real debts you should be able to obtain a loan from any high street bank or finance company.
There will also be differing lengths of time offered in length of repayment , and you should try and budget for minimum period possible to pay back .
Hope it all works out OK . |
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Huge
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This is a very bad time to take out a loan. Interest rates are higher than ever and may even go up again so best if you defer your dreams for a later year. Check on the `this is money' site for lots of loan options |
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honey
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If you really have to,shop around for the best deal,check that you have the ability to pay it back on your budget,be honest with yourself.
good luck |
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uknative
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If you go to your bank or any other reputable lender for a loan, the amount they will be prepared to advance you will be based on your incomings and regular outgoings (life essentials). The reason they do this is because they want to try and ensure that you're in a position to repay the debt; this safeguards both them and you. You say you want the loan, but do you really need it? Taking this loan will commit you to waving 'bye, bye' to a regular amount of your income each month and, as you say your salary is on the low side, this would make your income even lower and could mean that you've got months of hardship before you. The only advice I would give is, please think twice, then again - is it REALLY worth it?! Have just read your add details, and can only advise that you make sure you deal with a reputable lender and go to the sites below for some good tips. |
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