Car Finance

Hughesy84

Im looking to get almost £3200 on car finance after I wrote my old car off! :mad:

Now iv been struggling to get a loan through the bank (referred it) and barclays (referred it) and now some car credit company called advantage have offered me a deal..........anyone got any experience of them?

24 months of £256.30 = £6151.20 for borrowing just £3183

I simply want to borrow £3200 without being ripped off!! ANY ADVICE?!

CLAPTON

whats your income
what other debts have you
what does your credit file say about you
are you on the electoral roll

Hughesy84

CLAPTON wrote: »

whats your income
what other debts have you
what does your credit file say about you
are you on the electoral roll

£27k

Have debts on cards/ loan (6 months to run) - leaves me with approx
£1000 a month to spend

Credit file will say - multiple loan apps by loan providers in the last few days as it went to a broker (hence the big rate i think)

Yes on electrol roll

DGJsaver

Hughesy84 wrote: »

£27k

Have debts on cards/ loan (6 months to run) - leaves me with approx
£1000 a month to spend

Credit file will say - multiple loan apps by loan providers in the last few days as it went to a broker (hence the big rate i think)

Yes on electrol roll

based on that rudimentary breakdown , it appears (if it`s your only option) that you can easily afford it..

CLAPTON

what are your existing debts?

Hughesy84

DGJsaver wrote: »

based on that rudimentary breakdown , it appears (if it`s your only option) that you can easily afford it..

Yeah I can afford it but i refuse to pay them double back almost over 2 years.

Anyway turns out that they had added insurance, warranty & breakdown cover.....I spoke to them again and when they finally took it all off it saved me £1700!! Cheeky barstards! :T

So now im happy to take out the deal - saved £80 a month off my payment

eschaton

£1000 a month to spend ?

Ever heard of saving ?

Then you really will save......

Hughesy84

Yeah mate I save every month - usually around £4-500 a month.

However prior to writting my car off, id just spent £600 on a dog, £350 on a holiday, £350 on some Christmas Prezzies & Lent out £1800....therefore I had no spare pennies in my account when I did the unexpected. If I had known a few weeks ago then id of had the cash in my account.

Iv took the loan anyway over a 2 year period - im just going to repay it early as there is no early fee.