Loans

I need a new roof, my savings won't cover it all. Like many people my age I've never borrowed before, I bought my house with an inheritance. Assuming that I can borrow from all of the above I have no clue which one to go for, despite reading all of the information I understand precious little of it. What does 0% even mean?…

Hi I had the above on my previous car and the finance was settled by the dealership I got a letter to say the agreement is now closed and the account is closed . I then got a letter saying I owed 230 on my old car even though gave the car up on 24 of sept Should not have the finance company checked to see if any debt is…

Is it better to clear car finance before selling on any car, motorway etc 

Hi there, looking for advice. I am a single mother and currently not working. I am desperate to learn to drive. I am looking for a loan to be able to do this, however I have a poor credit score. Can anyone recommend where to start? I don't want to trawl through and apply for loads of loans as this will leave hard…

It came to my attention today that scammers have got hold of my name , address, date of birth and email address + phone numbers. Utility supplier alerted me they tried to verbally gain access to my DD details and failed. Then mobile phone provider sent me a text and email to say they had tried to verbally access my account…

My friend is buying a new car. He has the money to pay it out of his savings and he gets 4.36% interest on that. But he can buy the car for £5300 deposit followed by 47 payments of £319.05. Then a final payment of £15170.59. the interest rate is 2.9%. A total of £35312.94 Which is better? Thanks in advance.

Is this a good or bad idea?on personal loanspage the cheapest loan if I could get it, is 5.6% from AIB (NI) On Saving pageNS&I Bonds is 6.01% for the year, paid monthly. So basiclly, pay the intrest monthly and you make 0.41% free money? Or am I missing something. Cheers

Hey guys, I am seeking a hasty bridging loan due to a buy to let build I invested in nearing completion and lacking the funds to complete the contract. I have an income but I am self-employed with only my own personal accounts so not sure it would be sufficient evidence or not to satisfy their criteria. Therefore, I am…

This is the place to discuss our new Should I get a loan if I have a bad credit score? guide. We'd love to hear your thoughts, personal experiences, and general feedback. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.

We applied for top up loan with Tesco bank on 4th September and at the time of application we met their criteria that 8 consecutive current loan payments had been made and the loan was approved. We received the paperwork and this was signed and sent back . In between time the current tesco loan payment due on 15th…

Hi, I want a loan for a house extension. My first thought was the overpayment I made on my mortgage four years ago. It's approx 1/4 of what I need. I called the bank. They told me that I couldn't access this amount as the amount had been applied to the mortgage & monthly payments recalculated. They told me I would need to…

Applied for a Tesco loan this morning which it said was approved. I haven't had a confirmation email. Just wondering g if anyone has applied for a Tesco Loan recently and did you get a confirmation email? Also, how quickly did the money come through?

Can anyone help with advice?.... I’m wanting to research any safe and reputable loan providers for an elderly relative. He is 75 years old, and fully owns his Flat – no mortgage on it. He has to raise some finance for his contribution of replacing the roof on the building (the are four Flats in one building) and he has…

Hi there, I find myself unemployed for longer than expected and have run out of cash. This means that I am behind on payments for my mortgage and other unsecured credit. I have a large amount of equity in my house (about 75% of the value) and if I can access a relatively small amount, then I can get up to date on all my…

I've applied for a loan to buy a car from First Direct. Although the loan amount is high, my credit score is 999 and the repayment affordability check came back clear. They're advertised APR for the amount I wanted to borrow was 6.4% (slightly higher than the best rates out there but I already bank with them and foolishly…

Is it possible to get a loan when you are receiving universal credit?

Hi all, first time poster! I'm in a bit of a pickle, and have 3 sizeable credit card debts that have stacked up, that I am paying a horrible amount of interest on. I have been offered a loan via my Bank to repay these, and consolidate into one (with no penalties to pay back sooner) I will be receiving a large amount that…

Hi, We're in the very fortunate position of having a good chunk of savings (about £60k) and are about to buy a new car (about £40k). However, we also have about £300k remaining on a mortgage (20 years left) and will need to remortgage before Feb 24. I'm looking for advice on whether we should pay cash for the car (because…

Hi folks I moved into my partners house and started renting out my own. I've lived in her house for over 3 yrs and just rent out my old one now as an investment. I'm applying for some credit but don't know how to answer the homeowner/renter question. Yes I own a home, but if they want to run a check on the land registry or…

I'm trying to get to grips with the loan eligibility tool and which lender to approach. We currently have a joint loan with Tesco with approx £2500 remaining. I also have some credit card debt in my name only (0%). My husband has no individual debt. Neither of us have anything onerous in our credit files. We want to borrow…