A no fee loan with bad credit?

KimYeovil

Kim.hill2010 wrote: »

what? thats abit rude dont you think? you dont know me so how dare you judge?!

You posted that your wastrel boyfriend reneged on a car loan for no reason. Don't post incriminating facts if you don't want them judged.

The one sensible thing you posted you should keep to - do not pay anyone for a loan application - they are, as you suspect, fraudsters.

BackOnTrack

If you have bad credit you won't get a loan. You won't get a loan from the people who want an upfront fee either but they will take their fee.

Apples2

It's the way you appear to consider not repaying a car loan as nugatory. Do either of you really not understand the importance of something like this?

No company charging a fee is going to do anythig other than take a fee.

If he can't get a loan from his own bank, it isn't going to happen. I think your only option is for you to take out this £3,000 spending money loan and repay it over the next half a decade.

Kim.hill2010

i wasnt with him 10 years ago, he was 18 !!!!!!.

Firstly, its 2 month wages, and that got to include clothes,taxi LIVING with two children.
secondly, i didnt want peoples opinions on our situation because tbh it has nothing to do with you.
thirdly, hes 28, we have been together 6 years and we have paid EVERY bill on time, We have a private rented house and we both work full time. So dont dare brush us with the same brush as most young family!

Peelerfart

Or, how's this for a bit of radical thinking ....

http://gonyc.about.com/od/budgettravel/Budget_Travel_Advice_for_New_York_City.htm

Gordon_Hose

If you've BOTH got bad credit then getting a loan is highly unlikely. If one of you has good credit, then one of you should be able to get a loan at a decent rate.

If he had financial issues 10 years ago then this won't even show on his credit file anymore, so there must be other bad stuff on your file since the car loan incident to make you ask questions about a bad credit loan.

Antispam

Now who is being judgemental

Kim.hill2010 wrote: »

So dont dare brush us with the same brush as most young family!

sariebeth

So you were 14 and he was 22 when you got together? Bit strange

If you have living, children, and a house to pay for, do you really think blowing £3000 on holiday is a wise choice? How will you pay it back?

NeverInDebt

Get a part time job or both of you. You have money to buy a holiday but not enough for spending, yet he has had problems with paying back money. No bank is going to touch you and rightly so, only way to get money is paying over the odds for it

KimYeovil

Kim.hill2010 wrote: »

Firstly, its 2 month wages, and that got to include clothes,taxi LIVING with two children.

Clothes??? Taxi??? (Well, there may be a reason for a taxi but why do you need clothes? Are you naturists? You don't own any clothing? You expect existing wardrobe to disintegrate over the next two months?)

You stated your holiday was in July. I make that three monthly pay-days until then. So it is not just three payslips - it is SIX payslips.

Once again: if you are not able to easily save more than enough spending money from six payslips then how could you pay for the holiday in the first place? If you can't live basically for a couple of months then why do you want a fancy 21st? Are you saying you have not paid for accommodation? From your first post I assumed accommodation and flights had been covered. You do not need much money over and above that to enjoy New York. The only things that are expensive are items and events for those who don't need to look at the price label in the first place.