Really need small (£750) loan

tea690

id look on ebay..we picked up our nissan micra on there for 200 pounds a year ago...providing you keep up with general matinace etc and dont run it in the ground it will last..mines been going strong for a year now and weve paid out 20 pounds on getting it fixed...

hermum

Can you try & get a lift to work for a couple of months? Either save to have the repairs done or as others have suggested buy a cheap runaround. I wouldn't use a garage for the repairs, ask around someone always knows someone who works from home, I've found a really good guy near my by calling a couple of scrap yards & asking if they could give me a number for a local mechanic. Garage estimate £1k, local chap £200 plus parts, that I paid for, so no mark up.
Gumtree do a rideshare section if you don't know anyone locally to ask & I think some councils do as well, or they may have the info of schemes in your area.
I did only used to pay a couple of hundred pounds for a car & then if it needs expensive repair I'd scrap it & start again.
Anything that you can sell, ebay, gumtree free papers?
A local 2nd job.
Failing all that, pay advance from work?

BLT_2

waqasahmed wrote: »

All you need really is to sell some things until you get paid from your job. I NEVER let my bank account reach £0. Before my aim was to never have less than £600, and now my aim is to have no less than £1000

Now that's what I call useful advice to an ex bankrupt, who is unable to borrow money she desperately needs to fix her car. And of course all ex bankrupts have a huge amount of belongings they can sell to bring in 750 pounds

Whilst we congratulate you on your financial perspicacity, announcing to the OP how great, powerful and wise in money matters you are in comparison to her is hardly the point of these forums.

Anyway have to go now and log onto the Oxfam Famine site and let everyone know what I am having for dinner tonight

Jeez

RuthMarianna

If you need a small loan it might be worth seeing if you have a Credit Union in your area. They all have different rules as to how they lend and how much so it may be worth finding out. An extra benefit of a Credit Union loan is that they also encourage you to save regularly which is a good habit to get into and if you pay it of earlier there are no penalties.

Another suggestion is the person to person lending. I know very little about it except that I saw something on TV about it so just do an internet search.

I hope these ideas help. I know people in similar situations to you who cannot get credit but who find that from time to time a small loan is the only way to cope with an immediate problem. I have seen a couple struggle with one car to both get to work on time and get their child to school as they live 2 buses from work where they are both on different shifts and buses do not start early enough in the morning or take too long after they take their child to breakfast club to get to work on time. This is made worse by an employer who gave written warnings when snow made them late. A lot of people would say that 2 cars is an extravagence but in their case it is not. Cycling to work is not an option for everyone as many work places provide nowhere to wash and change when you get there and it is not pleasant sitting sweaty all day. People need to walk a mile in another persons shoes before they criticise then they may understand more and offer more helpful advise

I personally never borrow anything until I factor the repayments into my budget to make sure that I can really afford them. I have a spreadsheet for a year ahead at a time so I can very quickly see how any changes affect me.

dmg24

BLT wrote: »

Now that's what I call useful advice to an ex bankrupt, who is unable to borrow money she desperately needs to fix her car. And of course all ex bankrupts have a huge amount of belongings they can sell to bring in 750 pounds

Whilst we congratulate you on your financial perspicacity, announcing to the OP how great, powerful and wise in money matters you are in comparison to her is hardly the point of these forums.

Anyway have to go now and log onto the Oxfam Famine site and let everyone know what I am having for dinner tonight

Jeez

Since when has a car repair become desperate? Since when has a car become an essential?

RuthMarianna

To get you to work or not work and claim benefits. Try getting to a job before 6am and when you live a 2 hour walk away, no buses until later and try paying for a taxi everyday on minimum wage. A car in these situations and many more is essential.

callywally

dmg24 wrote: »

Since when has a car repair become desperate? Since when has a car become an essential?

If you live in the countryside work in the town and work shifts and bank hols and weekends and eveings then its essential.

RuthMarianna

The same applies to many towns too. Our buses do not start early enough for some shifts and gone are the days when employers provided buses or taxis and sundays and bank holidays buses are a minimal service before mid day and if you are someone with children with a 2 bus journey 2 work it is impossible to get the children to breakfast club and then get to work on time especially when employers demand that you are at you desk and logged on your computer at your start which actually means getting there 20 to 30 minutes early.

BLT_2

dmg24 wrote: »

Since when has a car repair become desperate? Since when has a car become an essential?

A car repair is desperate when the car doesn't work.

A car is essential when you live a long way from work and the public transport is dire. If I drive to work it takes between 15 and 20 minutes. I catch public transport its a 30 minute walk, followed by a 30 minute train journey (and I have to get to the station early to make sure I dont miss it), this is then followed by a 45 minute walk to work. Arriving to work either sweaty or soaked. Same system the other way around. Lets not even go into the relative cost of travelling on British Rail during peak time.

So in essence its either 30 to 40 minutes travellling or 3 hours or more.

babymoo

dmg24 wrote: »

Since when has a car repair become desperate? Since when has a car become an essential?

Since maybe the OP isn't capable of walking to work. I know that if I could work I wouldn't even be able to walk 5 mins away to work. For some people a car is essential for a "normal" life.