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who will give us a loan for £3000 with credit score 796?
dragongirl101
Posts: 9 Forumite
in Loans
Hello
Just wondered if anyone can advise me about where I could get a loan/who best to apply for a loan with for about £3000? It would be in my husbands name. His credit score is currently 796 on Experian with no late payments/ccjs etc showing on it. We are on the electoral role but have lived at this address for less than 2 years. We have an overdraft of nearly £5000 and are paying of a loan at the mo from Welcome finance which was for £5300 (but a lot more as high interest rate) but have been paying it off on time every month since last December. He has a credit card with Capital One the balance is only about £80 and the limit on it has recently gone up from £500 to £1500. He is self employed. Considering these factors is he likely to get a loan? If so who would most likely lend it/ would have best offer? It is for buying a car - would it be best to apply for car finance with the dealer?
Just wondered if anyone can advise me about where I could get a loan/who best to apply for a loan with for about £3000? It would be in my husbands name. His credit score is currently 796 on Experian with no late payments/ccjs etc showing on it. We are on the electoral role but have lived at this address for less than 2 years. We have an overdraft of nearly £5000 and are paying of a loan at the mo from Welcome finance which was for £5300 (but a lot more as high interest rate) but have been paying it off on time every month since last December. He has a credit card with Capital One the balance is only about £80 and the limit on it has recently gone up from £500 to £1500. He is self employed. Considering these factors is he likely to get a loan? If so who would most likely lend it/ would have best offer? It is for buying a car - would it be best to apply for car finance with the dealer?
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Comments
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My credit score is 859 with one default which is over 4 years old, i dont miss any payments and have a maxed out c/card i also have a loan which i wanted to refinance to get a car. i was declned but was approved finance from a main dealer on a car which cost 11k
dont understand but there you go...0 -
Your 'score' is meaningless as each lender scores/assesses in different ways.0
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How long has he been self employed and does he have audited accounts?0
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