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Loans

Archives for September 2005

qualifying for a loan???
how do you actually qualify for a loan when its a large sum???? I've just came off the phone to Nortern Rock who I currently have a loan with and was trying to increase the amount I have with them. Balance o/s with them is £6k and wanted to increase this to £19k. £13k would of been to pay off credit cards debts that I have…
best rate for 25k loan?
looking for a loan of 25k to pay off a laon with lloyds (currently at 7.9%). probably over 6 years although may reduce it to 5 depending on the rate i get. Whats the best one out there at the mo? I've got a £185 early repayment penalty on the lloyds one but surely i'll be saving this with a reduced rate somewhere else?…
Car loan
Hello, I have a remaining car loan for £3,300 which I would like to clear, as I need to have the extra income every month. I don't particulary want to use my savings, can anybody help? Thanks for any life savers out there !
Cheapest flexible repayment loan?
I want to take out a loan of £15,000 over 10 years. I will probably be in a position to up my repayments next year to pay this off quicker. What are the best loans (fixed interest) out there at present? I know Martin refers to Goldfish in his advice section on this - but this is currently 9.9% and too expensive for me at…
help/advise on getting a loan
i have 2 credit cards both at the top of their limits totalling £6,000 but I'm paying extorionate interest on them because i lifted cash out with them. I was looking to get a personal loan to consolidate the 2 cards. Few factors that may affect: 1. hubby has had 2 defaults, both clear but the aren't cleared over 12 months.…
Settling a Loan Early
Hi I am going to take a 10,700k loan with Northern Rock or The Post Office over 5 years. However how do you work out what you will pay back if you wanted to settle the loan early after 2 or 3 years for example, both offer no redemption penalities. Is there a calculator available on the www to work this out ?
banks buying time?
Go approved for a tesco loan 2 weeks ago (principle) but needed more documents. Sent them. Then they said, wrote my firm asking for confirmation. I know my firm sent back the forms last monday. Whenever I follow up with them, they always tell me that they have not received the documents yet. Do you think they are just…
Loan after mortgage
Hi, I'm about to buy a house but in doing so I'm having to borrow 3k off my parents as I'm a bit short on the fees and deposit. I've borrowed this off them on the understanding that once the purchase has gone through I will take out a loan to pay them back as I couldn't have a loan affecting the amount I could borrow for…
unsercured loans for small business
:confused: HELP I WOULD LIKE TO OBTAIN A LOAN to help start a small business, and pay off some excisting debit, BUT I HAVE A LOW CREDIT RATING, and i am finding it very hard, i need a new van to run the business, as the one i have is not big enough, :o :confused: i live at home with my mom and dad, so dont have anything to…
I need a loan but have bad credit
Hi all, I have a few debts from a while back and am trying pay them each a small amount each week was wondering if i could get some sort of loan (i have terrible credit) that will let me pay them off in one go and then only have one payment going out. I have tried for a capital one card but was turned down Any help is much…
Applying for a loan with my own bank??
I've been a Halifax current account holder for more than ten years, i've been in my £500 overdraft limit for about 7 years of it though. My credit rating (i believe) is pretty good, i pay my bills on time every month without fail, etc; etc. I currently earn around £18,000 per year. I'm looking to take out a loan for around…
Nationwide Loan HELP!!!
Hi there i wonder if anyone can help i recently applied for a loan with nationwide for £2000 on the net, after an hour i had one of the loan team ring me up to ask if i would like to take a little more so i did taking it to £6000 to clear all my debts which i was told all went through fine just need to send pay-slips…
Egg Loans - any good?
Just wondering whether anyone has any experiences with Egg loans :confused: I know they have a higher APR - 7.9%, but they allow early repayment with no penalties, allow payment holidays and allow you to increase your monthly payment if you want... this all sounds pretty good to me, but does anyone have any experience with…
Would you switch loans?
I have a £6k flexible loan from Cahoot. Originally they gave me 6.9%, but that started creeping up after I canceled the payment protection and is now 8.4%. I'm currently paying in £175/month although the minimum they ask for is £117 & if I don't switch it'll all be paid off in Sept 09. I've looked around and the flexible…
how do I decrease my loan amount?
I have a secured loan of £25000 with a company called loansdirect. Is there any way I can switch loan providers to decrease the amount I am paying as the interest is quite high? Thanks Opticus
Loan because you have cheque gaurantee card anyone know about this ?
I remember a few months ago i was looking at loans for a mate, And we came accross a site saying that you could have a loan if you had a cheque gaurantee card despite credit checks, He wants to do it know but for the life of me i cant find the site :( Anyone know
Post Office Loan or Northern Rock
Hi These two companies seem to offer the best loan rates on the market at the moment at a typical 5.8% and 5.6% respectively over £7.5k. (apart from moneybank loan at 5.5% which I would not bother with based on users opinions) Both the Post Office and Northern rock seem to offer no redemption penalty for paying the loan of…
Cancelling ppi-loan repayments go up!
I wrote to the Alliance and Leicester to cancel the ppi (£45 for cover, loan payments £236) on a £12,000 loan we took out with them in March as I had found considerably cheaper cover through this website, and was astounded when they wrote back saying we could cancel it but our loan payments would increase to £249. I have…
Car Credit or Personal Unsecured Loan
i want to buy a used car for around £3K, which is better? A Personal unsecured loan or car finance?
Moving from 1 loan company to another
Hi everyone, I'm pretty new on here after being told about it by a friend and have gotta say it's absolutely brilliant with so much information and advice. I have a question though: I currently have a personal loan with Egg for about £9000 which is being charged at 14.9% but I want to try to reduce this interest charge so…

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Loans

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