Partner and I would like a loan

The_Hallowed_Way

My wedding cost £65 plus £100 in Pizza Express afterwards. Why spend more?

neneromanova

You need to stop asking for loans as 3 refusals to the loan will hit your credit score HARD. You might even find that it's hard to get a credit card at the moment after the 3 refusals. Can you not sell the car, get a cheaper one and use the money left over to either pay off the loan or pay for some of the wedding?

theoretica

Has your OH tried to shop around to find somewhere that will give him a largish graduate overdraft? This would hopefully be enough for you to live on until his wages start in May.

Can't you just get married cheaply and have the major party later when your debt is paid off?

Debt_Free_Dreamer

Can you not go and work on the bank staff as a Care Assistant during the weekends/holidays. My OH did this while he was a student nurse and it upped his income. This extra income would help with your wedding plans.

WTTM

nemmernossage wrote: »

I'd love to be able to save for our wedding but we just can't! It may be the best solution from your perspective but from mine it's impossible.

Does that not tell you something - you CAN'T save - just want to borrow borrow borrow.

Expect to see you back next year asking if your loan is unenforcable as your lender should have known that you couldn't afford to pay it back.


MOMENT

27col

I have never seen the point of spending large sums of money on a wedding. Particularly if it requires money that you do not have. You are no more married after spending a lot of money, than if you had spent a minimal amount. It would be more of a test of your relationship, if you either opted for an economical wedding or waited until you have saved for it. I find it incredible that you are in a heavy debt situation and yet you want to get into an even heavier debt situation. The words priorities and common sense spring to mind. take the advice offered on here and cut your coat to fit the cloth.

Valli

nemmernossage wrote: »

He is a recently qualified Nurse who started his job on the 29th of March with a pre tax income of £21,000. I am a student nurse with and income of approx £6,000. We have applied for 3 loans - sainsbury's twice(once with me as first applicant once with him as first applicant) and santander. We were declined for all three.

Any ideas as to what we could do to get a loan?

Thanks in advance.

as with others on here I would consider deferring your wedding and/or increasing your income - you are going to start married life together under massive stress as you already have a lot of debt. It can't be worth it.

If you can't put money by to save for your wedding then you have no spare cash to make repayments of a loan.

neneromanova

Well by the looks of it on the wedding thread they have booked all the wedding already and only got engaged in like November time. Surely you need time to love being engaged? But she's having a wedding on a boat or something. Plus she's moaning that her Dad won't give her any money towards the wedding.

People think that we're mad to get married on a ship but I don't care! My Chief Bridesmaid has basically told me that I should be doing this this and this - NO! One of the things was sorting out my Old, New, Borrowed, Blue (I only need old and borrowed, New is my dress and Blue is my *ahem* underwear) - "I've got this necklace that you can borrow and I'll buy you the earrings as your something new" Hmmm well I don't have pierced ears so that isn't going to work! No where near as stressful as other weddings I'm sure though, Thankfully. The other thing that has annoyed me and OH but not others is how stingy my family have been! My dad has given us £500 and my mum has given us nothing. My dad even encouraged us to elope! Cheeky :mad:

OP. Wait a year, see what debts you can pay off and then try again for a loan if you really feel you must.....

robin_banks

Why people think of borrowing money when already massively in debt is beyond me.

redpete

Sell the car that you can't afford and buy a much cheaper one. Don't make any commitments to the wedding until you know you will be able to pay for them. Maybe look for a 0% CCard for purchases - but I suspect if you could get one it would have a low credit limit.