help i need a loan!

max2009

You need to think of ways of clearing your debt rather than transferring it to a loan.Credit search would look shocking with the searches and history of late payments especially in this current climate.

jamielee_2

give her a break everyone.

you don't really know her situation to judge - she's on a £16K wage, yeah but she says the most she can afford is £240.00, PLUS, living in her own place, she'll cut down on an awful lot of spending.

fortunately, i don't have any debt however, it's still very difficult for me to get credit due to not having any!

i too was stupid enough to go to best4loans - a company that guaranteed a loan, even for those with ccj's ect, ect. totally ripped off!

i'm browsing too, trying to find a decent, genuine company that'll be willing to help.

doesn't seem like i'm getting anywhere! and with responses like these, it puts even more doubt in your mind!

good luck chick x

thriftymomma

I would think about waiting for 6 months or so for the recent searches to become less imprtant before applying for anything else. Good luck getting sorted.

simplymegreg

Could you not try Zopa?

As long as you don't have any CCJs? Your income is above the threshold so that should be fine.

I believe they do a credit search but not the type which actually harms your credit score until you have received a quotation.

If this gets rejected you could always look towards the listings on zopa. Perhaps ask for a loan of just £1250 to pay off your catalogues and credit card (presuming the APRs on these would be higher than the loan) and then save up for the rental deposit?