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APR Workout
Looking to get a CC with life of balance transfer. Can anyone help me find out what the apr is on this loan I have Total inc intrest = 14255.58 Total without int = 10500.00 Trying to see if I would be better off. W666
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Loans newbie
Hi all, Just need some advice really regarding a loan/debt issues. Basically I'm in desperate need of a newer car because I commute long distances, and because I'm struggling to keep on top of my £1K Lloyds TSB credit card I've decided to kill two birds with one stone by going for a loan of around £4K over 4 years. The…
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Best Deal - £4000 ish loan between 1 - 3 years payback
Any ideas on a good rate. I'm not sure whether this £4000 will be able to be paid back within a year or 3 years max. How should i go about finding a good place or does anybody know one? Thanks
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Applying for loans online v. in person
Hi, Thought I'd see if anyone understands this. I've tried for a while now to get a loan of £20,000 through my bank (Lloyds) to cover flying training costs. I'm only working part-time on quite a low salary because I'm studying. Although I said that I would either get a flying job after finishing training or go back into IT…
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Problem with settling a loan
Hi guys, I'm after some advice! :A I purchased a laptop from Staples on a 9 months interest free credit agreement from Clydesdale Finacial Services. I had a feeling the 9month interest free period was coming to an end but foolishly, it would seem, expected a letter near the date notifying me and explaining the repayment…
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guardian credit
On friday i had a look on the guardian direct site for a loan quote i was just browsing realy so i filled in the online form expecting a quote to pop up, well within 45 seconds(no joke) the phone rang...guess who it was.. well after what seemed like ages and millions of question they said they would phone me back with my…
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Welcome Finance
My friend is thinking of getting a loan with Welcome Finance. Has anyone got any information at all about this company please. Thanks.
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Car purchase - outstanding finance
Hi everyone, I have found a used car that I like. Unfortunately, as the seller explained, it still has finance outstanding. The seller is proposing that we together phone his finance company so that I can discover the outstanding finance to be paid off. I should then make out a bankers' draft to the finance company for the…
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Student Loan
I have put this here, as it may get looked at more than in the student section. I have recently graduated (2005) but am now doing a post-grad Phd. This gets me a grant (tax free) of £12000 p/a. I have just finished paying off various interest gaining debts (credit card etc.) but am still into the majority of my HSBC…
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Best Loan for Short Term Low Debt
Hi everyone. I have a credit card debt of £4000. I do overpay each month, however, I am interested in taking out a loan for the whole amount and paying it off in 18months. I currently pay £200 p/m. I am willing to take out a loan and pay up to £250p/m in order to pay it off in 18mts or less. Any suggestions or should I…
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'overpayments' on loans
Hi all, I have a loan with Barclays, and i was told when I took it out that I wouldn't be able to overpay onto it. However, the advisor did tell me that I'd be able to put the extra money aside and then every now and again basically take out another SMALLER loan using the savings to pay the difference, therefore making…
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Cahoot flexible loan
I am looking to borrow £2500 and am interested in the Cahoot Flexible Loan. My circumstances are, I am self-employed with an annual income of around £19,500, and I already have 1 overdraft and 4 credit cards. Is it still possible for me to obtain credit from Cahoot? I would rather not make the application if there were…
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Long terms - reducing monthly outgoings
To reduce monthly outgoings, I'm tempted to get an unsecured personal loan (most prob Northern Rock @ 5.6%) importantly without redemption penalty charge; then consolidate a credit card debt and an existing unsecured personal loan with Egg on an uncompetitive interest rate of 6.7% and stretch out as long as possible. Thus…
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Credit Rating "needs improvment" need a loan
My credit rating "needs improvement" and i need around 15K personal loan to finance a move abroad and consolidate some CC debt. I am looking to pay it off over 10 years to keep the payments down to £200/month for the 1st 2 years before re-fininacing to 5 years. Promise finance looks ideal, but they are for home owners only…
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Loans for new immigrants
Can immigrants apply for loans successfully before they can obtain permanent resident status. I've not known anyone on a work permit or HSMP visa being successfull. All though my credit rating is good, I have been unsuccessfull in obtaining a loan. Transferring money back to home country is proving to be difficult and…