Whch loan would be good to pay off a credit card and buy stuff

Pinktooth

tiff wrote: »

I think you need to give us all the facts in one go. The house is a third share, with no mortgage? Do at least 3 different people live in the house? Can the others share the cost of the carpets and other things you need?

Will an answer be supplied now or more questions? This answer is ony I will be pretty vacant

tiff

These questions need to be answered, you didnt give the full facts in your first post. If you just want a general answer, I can give one - which is not to borrow any more money but if you want real help and advice on your personal situation then you will need to share more information with us.

Tixy

Pinktooth - people would like to help but your posts are not very clear about your full situation which it makes it difficult for us to advise you on what financial solutions might be a good idea and what might be open to you at all.

From what you have said you will be unemployed - so the chances of any additional credit (be that loan, credit card or extra overdraft) from anywhere will be slim.

To me a good £5k loan would be one with a decent APR, that I could afford the monthly repayments on based on my available surplus income that allowed overpayments and that was less than the current APRs I am paying. I might use moneyfacts to find out who is offering the cheapest APRs at the moment. That said I don't want to be in any more debt so I'm not in the market for a new £5k loan.

But you don't seem to have considered if they will lend to you, what the APRs on your current debts are, whether you can afford to repay the loan. If you won't consider those items then I guess its unlikely a lender will consider you.