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Cheap Personal Car Loans
Cheap Personal Car Loans guide. Click reply below to discuss. 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.
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Personal loan for full-time study
So, I am currently in full-time employment. I am looking to study a full-time, two-year MSc but there is no option in Northern Ireland for post-grad student loans that can assist in maintenance/living expenses. I've never had a personal loan and have all credit paid off. Is it bad to apply for a personal loan, over a…
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Car loan advice
I am trying to decide wither I am better to buy a used (newish) car using a bank loan or save up for the next 4 years and buy one outright then. I have paid off my current car and it will likely last me the next 4 years so this will give me a chance to save. But with interest rates being so low currently I'm m not sure if…
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Self employed and IVA
Hi people!! I currently have an IVA and with pushback of the grant until March is there anything else out there for help? I can’t have a BBS because of my credit. I’ve applied for over 100 jobs however due to childcare it’s hard to find that with everything going off! Please help. Thank you for your time.
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Loan advice / Available credit
Hi all, I wonder if someone would be kind enough to help me with a little advice. I’m in the process of buying a house that needs quite a lot of work on it. To facilitate this I want to take out a loan of £20k over 7 years (as I’ve noticed rates seem reasonably low right now). I don’t plan to apply into in the house as I…
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Used credit card to make overpayments on loan ... hear me out!
I feel like I know the answer to this one, but it might be worth asking. I have a cashback credit card that I pay back every month by DD. I also have a loan. Can I use the cashback credit card to make over payments on my loan, hence earning cashback on the overpayment?
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firstplus interest rates
I had a loan with Barclays Firstplus (Elderbridge) the interest rate was very high on it as it did not reduce to reflect the reduction in BofE base rates. So my question is has anyone had any success in complaining about this and getting some redress?? Thanks in advance
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Bank error?
Not sure if you remember anyway nationwide promise to remove my 2 defaults and rewrite both loans It’s been over 8 weeks and defaults still on, in complaiment it said give it 8 weeks, now they saying after remoter been done Rewrites done a few days ago. They just put 4k in my account I didn’t apply for a loan, and wouldn’t…
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Student Pilot Finance Help !
Hello ! I'm a student pilot in Edinburgh working towards my PPL (privot pilots licence) Hoping to advance onwards to my CPL (Commercial Pilots Licence) As it stands I'd need to find a way to raise the funds or loan around 60k to complete my CPL. I work as a bus mechanic in Edinburgh getting a weekly wage and I'm not too…
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Speculating the availability of 0% balance transfer credit cards instead of getting a loan
We need to borrow £8500 We have £10k available on a money transfer card, 4% fee, 0% interest for 12 months (we have this card already with £0 balance) The cheapest loan we can find is 5.8% interest The current best balance transfer card with 0% fee is 26 months We wouldn't be able to pay off the full £8500 in 12 months,…
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Loan tips
Should I call my CC providers and drop the credit limit before application?
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Advanced Learner Loan
I am starting a course in February, I already have a student loan from my university study. Would the advanced learner loan I would take out for this course be separate or will it be added to my total loan? Eg will I therefore I pay back the same monthly amount I do now or will I pay a separate monthly sum for this…
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Extra loan payments
Hi everyone, I just want to ask if anyone has been asked to pay "upfront costs" to receive a loan payment? My bank account has been temporarily closed for an investigation into fraud activity, because my wife and I applied for a loan, my credit rating is only "fair" according to Credit Karma, and I am.on benefits…
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Super Balance Transfers discussion area
This thread is for discussing the Super Balance Transfers: Sneakily use 0% credit card to pay off loans & overdrafts article. Please click reply to discuss
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Finding a Bank loan instead of PCP for a car worth £60k+
My parents are pricing up a new car worth £60k Deposit is 15k or maybe stretch to 20. I have cast an eye over the potential The PCP agreement and its showing 5.9% APR 48 Months £625 a month payments Settlement figure £21k The interest for this deal amounts to £7700 which I think is a lot of money. I have been banging on…
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Amigo Loans
I’ve been reading a lot about the current situation with Amigo Loans relating to claims for mis-selling. I have a loan with Amigo with a balance of over £3k and although it helped me at the time when I first took it out, I have really regretted it ever since. I won’t go into my personal situation but I am looking at making…
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PCP car finance
I have a Mercedes on PCP, I am 24 months into a 48 month contract. It costs £370 per month and now that we are in lockdown it sits in my drive 95% of the time. Does anyone know if it’s possible to terminate my contract early without penalty? Thanks
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Firstplus (elderbridge) secured loan
I took around 65,000 loan in 2003, and paid over 60,000 and still my capital balance around 53,000. They keep increasing the rate as they like, it seems like I will be paying this for entire life span. I am asking myself, am I living in the democratic country? No forums taking interest to resolve this problem? Intial…
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Personal loan started before contract completed
In November 2020 I entered a contract for some new windows with one of the nationally recognised brands (regrets, I have a lot). Due to the Covid crisis, I decided to pay the entire value of the contract on finance, primarily due to the significantly lower deposit requirement. The finance was arranged by the company from…
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loan
hi everyone i have a loan set at 7.9% and it finishes in feb 2023, im wondering how much i would save if i got a loan at 2.%9 which i have been offered and turned down is it worth the hassle of changing everything as its only 5%saving or should i leave it as i will only be saving pennies ?
