Loan Help

DT1878

Looking to get a loan but don't have the best credit history any companies out there that will help that somebody could recommend? any help would be appreciated thanks

Tixy

Hi

What do you mean but not the best crdit history? what actually shows on your credit files?
are you talking a few missed payments? or defaults? or CCJs / bankrupty etc

How much are you looking to borrow?

Are you employed? do you have any other debts? how much do you earn?

DT1878

Tixy wrote: »

Hi

What do you mean but not the best crdit history? what actually shows on your credit files?
are you talking a few missed payments? or defaults? or CCJs / bankrupty etc

How much are you looking to borrow?

Are you employed? do you have any other debts? how much do you earn?

Thanks for the reply It's more to do with a few missed payments I have no CCJ's and have not been bankrupt. Yes I am in full time employment I earn around £1600 per month, I was looking to borrow around £3000 to pay off some existing debts

Tixy

Your own bank is often a good place to try - especially if you've run your account with them well, not been over an overdraft limit etc.

DT1878

I have tried my bank but I was declined as I have been over my overdraft limit a few times so I'm just trying to find somewhere else

poppasmurf_bewdley

There must be several threads every week on this forum asking the same question as you are asking. And the answers always come back the same.

No mainstream lender will give you a loan. Your credit record shows that you have missed payments and nobody is going to give a loan to someone who missed payments on other credit agreements. Would you give you a loan?

Sorry to be blunt, but the days of sub-prime lenders like Yes Car Credit and Welcome Finance are over. They have all gone out of business because they loaned money to people with poor credit records - and guess what - these people with poor credit records didn't make their payments.