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3yr M&S Deferred car loan or 5Yr Post Office Loan?
I am hoping someone can help me with a what appears to me to be a confusing decision! I want to consolidate my car loan (£9800) and £4000 of credit card bills into a single loan over 3 or 5 years. Priorities for me are: a) Minimum monthly payments, ideally around the £270-£280 per month mark. b) Flexibilty to pay the loan…
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Hello. Need some Advice.
I am a final year student and I need roughly about 1000-2000 pounds which can be paid back within 12 months/18months respectively. I have never taken a loan before and would like to know which are the best options.
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Advice Needed on this idea pls
Hi, Been reading through the articles, getting a little confused on the way, so i'll put this out to you guys so you can tear it apart :) If I required a £5,000 loan, would it be better to spend the £5,000 on the Amex Platinum card to rack up the spend usage for cashback. Then transfer this balance to the texaco credit…
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New windows and a new car
I want to replace all the windows in the house and need a new car as well. I have been advised to speak to my mortgage lender (Halifax) and request a top up loan against my mortgage. We have a mortgage of £50k, the house is worth an estimated £120k and we would like to borrow up to £15k to be repaid over the term of the…
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Egg Loan - confused about reduced APR
Hi all - hope somebody can help me! I took out an Egg Loan for £7000 over 72 months in late December, APR 7.9%, repayments £121 (no PPI). Literally just days after I'd sent off my signed agreement I noted they'd reduced their rate to 6.9% as a special offer for January - needless to say I was a bit miffed! I phoned and…
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Tesco Loan
Tesco Loans say they don't accept overpayments...however, I do have a sort code and account number for my loan. If I send money by BACS, will it still get there?...Or is there not much point? I just dont want to keep the money anywhere I can get at it you see.
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Car Loan - what happens if it gets written off?
I am in search of some advice. My husband and i currently have a car on finance with Black Horse finance. We are paying a huge amount of interest and would like to move it to a cheaper interest rate. On the same hand i need to by a new car in may due to my old reliable car not being worth repairing it for its next MOT. My…
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Use my savings or get a loan?
I am thinking about purchasing a new car within the next few weeks. I have sufficient savings to buy the car outright but i thought i would look around to see how much a loan would cost over 3 yrs and compare this to see how much i would receive in interest over the same period. If i borrow £5000 over 3yrs (at 6.7%) the…
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Home Improvement Loan
The fixed period for my mortgage is shortly up for renewal and i will be seeking to (hopefully) get a good deal. I am also looking to borrow 6k to do some home improvements. Do you think i should borrow this extra against my new mortgage or should i go for an unsecured loan? My mortgage is currently around 42k. Thanks in…
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Moving a cahoot loan to a 0% card?
Hi All First post so please be gentle :) We have a smallish sum left on our cahoot flexible loan. Is it possible to transfer this amount to a 0% credit card to avoid paying any more interest? We have an excellent credit rating (recently had a score done for a mortgage and came out with the highest possible rating) and…
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I am 25. How do I pay over £11000 worth of debt? Any advice greatly appreciated.
Hello I am trying to work out the best way to repay my debts. I am a 25 year old male and I earn approximately £920 per month. My outgoings are as follows: Barclaycard Loan: £175.50 (total balance £5500) Barclaycard: £60 (minimum payment being made - total balance £3000) Capital 1 card: £10 (min pmt being made - total…
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Northern Rock
Hi I currently have a Northern Rock Personal Loan, my agreement reads. Loan Amount:£7000 Payment Protection:£818.09 Amount of Credit:£7818.09 Charge for Credit:£837.75 Total Payable:£8655.84 Annual Percentage Rate:APR6.9% 36 Months @ £240.44 I have made four payments so far. 1)is it worth cancelling the payment protection?…
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HFC Bank: Sting in the Tail
Just a note to alert those of you who have taken out loans with HFC Bank (taken out before Moneysaving expert.com existed!) to a diabolical scam they are pulling on the final payment when closing a loan. Received letter in post informing me that final payment would not be normal £293.06 but £304.33 "because you have…
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i need a few quotes, but worried about credit checks...
hi folks, im searching for a secured loan at the moment, so obviously i'm looking for a number of quotes. Is there no way i can get quotes withOUT having credit checks done? i'm worried multiple credit checks wont be good for my credit record. **Edited for typo**
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Loan or Credit Cards?
Hi all, Apologies if this is in the wrong place but I have what is possibly a fairly basic question:- I currently have debts approaching £12K made up as follows-: £3534 - Intelligent Finance (credit card) £3598 - Mint (credit card) £1851 - Egg (credit card) £1744 - Barclaycard (credit card) £1000 - Intelligent Finance…
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Need 2k for second hand car purchase
Which way should i go to get 2k to buy the car. Total newbie to this so please excuse my ignorance. Regards. John :)
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Barclaycard Loan 5.7%
Hi I see Barclaycard have a loan at 5.7% Does anyone know how to apply? Their website is less than useful!!!! Doesn't tell you about it at all. Moneysupermarket have it as one of their offers, but it doesn't tell you how to apply. Any info and help would be much appreciated. Thanks Andy
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Just received an e-mail pre-approving me for a loan
For a whopping amount of £350 and an APR of 3351%. Just pop the credit agreement in the post and we'll do the rest. yeah. Sure you will! the company is called https://www.paydayuk.co.uk
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Repay loan or downpayment on mortgage
Hello there. I have looked for the answer to my query but not found it, so apologies if it exists!! I have a loan of £7k at about 9% and £2.5k at 8% plus about £3k on interest free Mint credit cards; and have just inherited about £7k in cash. I want to buy a house (first time buyer - about £90 - 100k) so as to not pay rent…
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Looking for a Loan....
Hi, i'm looking for a £5,600 loan for some home improvements.I think i want it over 3yrs,can anyone recommend some lenders please. Cheers Ian
