Loan for car from Jobcentre?

midnight_express

Another problem is that these jobs that require a car usually don't pay you enough money to run one.

Bridge-Burner

DannyboyMidlands wrote: »

Jeez, show some initiative. Get to the interview any way you can. If you get the job then cycle (or whatever) there for a month and sort something permanent out when you start being paid.

All this "I'd get a job if the taxpayer would buy me a car, tax it, insure it and fill it with petrol on a regular basis" is just ridiculous.

You still don't understand. I'm enquiring about the possiblity of getting a low interest loan to assist my goal of employment. Loan being the key word. That is why I asked the question on a forum which supposedly has information on the subject but you obviously don't know anything about it.
Like I said in the first post the agency said that the company would need me to have a car because it's in the middle of nowhere.

paddedjohn

Sainsbury's bank are doing low cost loans at about 6.8 percent

Bridge-Burner

the problem with those loans is that they require you to be in employment which is why I'm asking about loans from the Jobcentre.

ianders

If you didn't get the job, how would you repay the loan?

Dontknowanymore

How long have you been on JSA for, there are such loans called budgeting loans, you will have to have been on JSA for 26 weeks, and can only get a certain amount.
http://www.direct.gov.uk/en/MoneyTaxAndBenefits/BenefitsTaxCreditsAndOtherSupport/On_a_low_income/DG_10018905

ilikewatch

Bridge-Burner wrote: »

Greetings,
I'm on income based jsa and was wondering if I could get a low or no interests loan from them?
Most of the work available in my town is not in the twon but in surrounding villages and whatnot which requires a car to travel to.
A recruitment agency phoned me about a job but said I would need a car to get there if they were to offer me the job.
I'm wondering if the jobcentre could loan me money to buy a car as I have a licence but can't afford a car.

It doesn't exactly answer your original query, but many areas of the country operate a "wheels to work" scheme - the details vary between areas, but the basic idea is that you are lent a scooter for a set period of time to allow you to access employment, a very small payment is taken to cover running expenses/protective gear etc. During the loan period you have the opportunity to save up for your own method of transport. Try googling "wheels to work".

Bridge-Burner

Dontknowanymore wrote: »

How long have you been on JSA for, there are such loans called budgeting loans, you will have to have been on JSA for 26 weeks, and can only get a certain amount.
http://www.direct.gov.uk/en/MoneyTaxAndBenefits/BenefitsTaxCreditsAndOtherSupport/On_a_low_income/DG_10018905

Thanks for a proper answer! I've only been on JSA for just over 3 months so that's probably a no then. Thanks anyway

ilikewatch wrote: »

It doesn't exactly answer your original query, but many areas of the country operate a "wheels to work" scheme - the details vary between areas, but the basic idea is that you are lent a scooter for a set period of time to allow you to access employment, a very small payment is taken to cover running expenses/protective gear etc. During the loan period you have the opportunity to save up for your own method of transport. Try googling "wheels to work".

Just had a look and it says you have to pay back 40 per month and cover £250 excess. You have to get a provisional licence as well. I won't be able to afford that but thanks for the suggestion.

boat_girl

Bit confused by the last response.

I thought you had a licence? £40 a month is nothing in relation to buying and running a car.

ilikewatch

Bridge-Burner wrote: »

Just had a look and it says you have to pay back 40 per month

Even if you could borrow the money from JCP to buy a car you would have to pay it back - probably at a higher rate than £40 per month.

Bridge-Burner wrote: »

and cover £250 excess.

The £250 excess would only need to be paid if the scooter got damaged or stolen.

Bridge-Burner wrote: »

You have to get a provisional licence as well.

In your original post you said you already had a licence.

Bridge-Burner wrote: »

I won't be able to afford that but thanks for the suggestion.

If you could afford to pay back a car loan whilst paying for insurance, tax, fuel and repairs you could certainly afford my suggestion.