Best places to get a loan

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14-01-2006, 12:18 AM

SamERST

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Best places to get a loan

Also has anyone got any advise as it will be my first loan (i havnt even got a credit card lol)

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14-01-2006, 12:19 AM

Cally

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omg YOUR 1ST TIME my advice....if u cant afford it...dont have it.

seriously! Loans and Credit cards can be so so bad. if you do need the money tho, try speaking to your bank, or looking online but ALWAYS check the interest rates.

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14-01-2006, 12:28 AM

XRdodgybird

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If you aint got a credit history the best place to start might be your own bank.... as they sort of know you.... check out interest rates too...... don't get stunned....

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14-01-2006, 12:39 AM

Psycho Warren

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APR!!! and Total amount payable!!

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14-01-2006, 01:03 AM

Red16

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Re: Best places to get a loan

Quote:

Originally Posted by SamERST

Also has anyone got any advise as it will be my first loan (i havnt even got a credit card lol)

mam & dad

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14-01-2006, 01:11 AM

jamesers20004x4

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northern rock were good for us, no early repayment charge and good rates!!!

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14-01-2006, 01:25 AM

Anonymous

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Say yes with virgin credit cards lmao has anyone seen that advert i think its terrible lol

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14-01-2006, 09:06 AM

Beach

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Go online there are loan calculators that get u the chaepist deals and work out very well, but if youi can avoid it in anyway please do so im paying back big loans and its bloody depresing.

At the same time its a good way if you cant save fooook all like me

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14-01-2006, 10:27 AM

Smiggy

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G/F just tool aout loan with the AA. 5.8% and I think 6months free membership.

Plenty loan calculators about for you to work out your payment.

SMG

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14-01-2006, 11:45 AM

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TrevCos

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I would agree, AA are good. But like someone else said, don't do it unless you have to. It's not a nice feeling being in debt and knowing how long it's going to take to get out of it. Trust me I know!

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14-01-2006, 01:43 PM

#11

SamERST

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Cheers guys im going to try bank first then try the ones you see on telly etc as they seem to have very good rates.
The only reason im going for it is ive found an amzing car which i would not have the chance of getting again so ill get the loan to buy the car then put my rs up for sale and pay the loan straight off (if thats possible ?)

Cheers for the advice peeps !

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14-01-2006, 02:10 PM

#12

NUTS RuS

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Well if you plan to do that, then look for a loan with no (or the least) early settlement fee's.

For some companys, paying off a loan early can be as much as letting it run its course.

For a short term loan a 0% interest credit card may work for you. Look for one that has 0% on a direct transfer cash advance (not the hole in the wall advance). Once the money comes back in pay it off in full without any fee's or interest to pay.

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14-01-2006, 02:14 PM

#13

Matt J

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As Tony says, do the credit card thing, mind you if you have no credit history they'll probably only give you a small limit like £500 which aint much good.

At least your on the right lines with paying it back when the car sells, just dont get roped into keeping the cash from the sale and keeping the loan, there shit and you dont want one

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14-01-2006, 02:21 PM

#14

GAZ W

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try

www.moneysupermarket.com

or money back bank (alliance and liecester) are offering 5.7%

borrow 5k over 3 years and it will cost just £442 in interest

http://www.moneybackbank.co.uk/loans...&protection=no