budget loan

needajob_2

Hi All
I posted earlier today and thank you for the many replies so on a different take can I apply for a budget loan to help me buy a car so that I can take up a job offer
Thank You

viktory

No. Budgeting loans are not available to buy cars and besides, even if you lied about the reason for your loan you would not get anywhere near enough to buy a decent car, much less tax and insure and MOT it.

karenx

Would it not be better just to not take the job? You obviously cant afford a car so there is no way you can do the job. So I would tell the truth to the employer that you dont have a car nor can you afford one so you cant take up the job offer.
Why did you even apply for a job that requires a car when you dont have one??

needajob_2

karenx wrote: »

Would it not be better just to not take the job? You obviously cant afford a car so there is no way you can do the job. So I would tell the truth to the employer that you dont have a car nor can you afford one so you cant take up the job offer.
Why did you even apply for a job that requires a car when you dont have one??

Hi I did have a car when I applied for this job months ago, its the only job offer I have had and I am desperate to get back to work but thank you for the reply

karenx

Well the simple answer is to tell the employer "sorry I no longer have a car therefor cannot take up this position"

andyandflo

needajob wrote: »

Hi I did have a car when I applied for this job months ago, its the only job offer I have had and I am desperate to get back to work but thank you for the reply

A car is not a luxury!! It's a necessity given the way public transport is.

I am on Pension Credit and run a car. It may not be this years model, but it gets me to where I want and back again. Before I retired, a car was needed - I worked 50 miles away, and if using public transport it would have taken 2 1/2 hours each way (bus, train, bus + 2 mile walk). Knowing that I was likely to retire, I bought a 12 month old BMW knowing that it would probably outlast me!

If you have had a car before you presumably taxed and insured it, so all that you missing is the capital to buy one.

Have a strong word the next time you are in the JC+, tell them that it is unlikely that without a car there would be very little chance of a job.

And anyhow, a budget loan is repaid - it's not a grant!!

viktory

andyandflo wrote: »

A car is not a luxury!! It's a necessity given the way public transport is.

No, it is a luxury - and when my husband and I have experienced unemployment it is the first thing to be sold.

andyandflo wrote: »

A car is not a luxury!! It's a necessity given the way public transport is.

If you have had a car before you presumably taxed and insured it, so all that you missing is the capital to buy one.

But I doubt very much that the OP has continued the insurance and so will have to find the money on basic JSA. A second hand car is often sold with little or no tax - even the very cheapest is £35 - and it can be as much as £230 a year.

andyandflo wrote: »

Have a strong word the next time you are in the JC+, tell them that it is unlikely that without a car there would be very little chance of a job.

LOL, that'll scare them! Seriously though, all the strong words in the world won't suddenly make them give the OP the money to buy a car, tax and insure it, fill it with petrol and MOT it (again, cheap cars often have short MOT's - and hidden faults that only appear at MOT time).

Indie_Kid

andyandflo wrote: »

A car is not a luxury!! It's a necessity given the way public transport is.

Many people (including myself) have learnt to manage without a car. You don't need a car.

dmg24

I agree with viktory, a car is a luxury. I can't/ would not be allowed to drive, but it doesn't stop me doing anything.

OP, I mentioned it on the other thread but haven't checked for replies - have you asked your employer whether they have a pool car?

needajob_2

dmg24 wrote: »

I agree with viktory, a car is a luxury. I can't/ would not be allowed to drive, but it doesn't stop me doing anything.

OP, I mentioned it on the other thread but haven't checked for replies - have you asked your employer whether they have a pool car?

no pool car available, Im only wanting to buy a old car that will see me through a few months ,as the job I have been offered pays enough for me to be able to save for a newer car, I have seen several cars advertised under £500 complete with road tax and a full years mot, as for the insurance I would be able to pay it on a monthly basis I am 54 years old so third party insurance would be a small amount and Im sure I would manage .
Thank You

Robbie64

Is a bank loan not possible? A Budgeting Loan can be made for travelling expenses on starting work but I can't see the purchase of a car being included under that heading.