Loan for car from Jobcentre?

OrkneyStar

OP, is there local credit union in your area ? They might be your best bet if you find the banks saying no to you at the moment. While some think this is a wind up, I can see that it would not be that impossible to be in the OP's position, need a car to work but cannot afford one/get a loan until you have an income. Another option might be to look into any car share schemes in your area.
As far as I know the job centre would not loan you money for a car.
Best of luck.

Bridge-Burner

boat_girl wrote: »

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.

I do have a licence but that is for car. So I don't need separate one? You're right though now I've thought about it

ilikewatch wrote: »

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.


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


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


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

Yeah my last response was a bit !!!!!! now I think about it lol. I think I just meant paying 40 up front which I don't have. I wouldn't have to pay back 40 a month if I got a loan from jobcentre but yeah it would add up in insurance and tax. i will look into it.

OrkneyStar wrote: »

OP, is there local credit union in your area ? They might be your best bet if you find the banks saying no to you at the moment. While some think this is a wind up, I can see that it would not be that impossible to be in the OP's position, need a car to work but cannot afford one/get a loan until you have an income. Another option might be to look into any car share schemes in your area.
As far as I know the job centre would not loan you money for a car.
Best of luck.

Hi,
there is a credit union in my area so that might be worth a look. Not sure if they'd lend me enough to get a car while one JSA but I will try. Just skimmed a website and it says they can lend £100. Yeah don't think the Jobcentre will give me one unless I've been on benefits for 6 months. Like you say it's a bit a bit of a catch 22 scenario.
Thanks for the suggestions and kind words anyway.

ilikewatch

Bridge-Burner wrote: »

I do have a licence but that is for car. So I don't need separate one? You're right though now I've thought about it

You would have to undertake Compulsory Basic Training (CBT) in order to ride a scooter on a car licence, but this is provided at no extra cost when you sign up to most (all?) of the wheels to work schemes

Bridge-Burner

Oh I see so as long as I have a licence for car I don't need a separate provisional to do the CBT? Okay thankyou.

Witchfinder_General

Depending on when you passed your driving test.

A 50cc scooter can be ridden by a full driving licence holder. You don't have to have L plates on either. You can also take a pillion passenger.

moose1982

Witchfinder_General wrote: »

Depending on when you passed your driving test.

A 50cc scooter can be ridden by a full driving licence holder. You don't have to have L plates on either. You can also take a pillion passenger.

As this person has said, depends on the date of your test, off the top of my head it must be before 1st Feb 2001

cte1111

If you have a car driving licence
If you passed your car driving test on or after 1 February 2001, you must complete a CBT course to confirm your full moped rights.
If you passed your car driving test before 1 February 2001 you don't need to complete a CBT course to ride a moped. However, the Driving Standards Agency (DSA) recommends that you do.
http://www.direct.gov.uk/en/Motoring/LearnerAndNewDrivers/RidingMotorcyclesAndMopeds/DG_4022430

Exceptions to applying for a Provisional Licence or doing the CBT

If your full car driving licence was issued before 1 Feb 2001, then you already have a full moped entitlement on that licence (full category P entitlement), so you are not legally required to do the CBT and can ride a moped without restrictions. I strongly urge you to do the CBT anyway as it is proven to significantly reduce the number of accidents that new riders have!
If you passed your car driving licence from 1 Feb 2001 onwards, then you do not need to apply for a provisional moped licence as your driving licence was issued with a full category P entitlement. However you must do your CBT to validate the moped entitlement on that licence. Once you've completed the CBT you have a full moped licence and can ride mopeds without the learner rider restrictions. The DL196 certificate that you receive from doing your CBT in this case only expires with your driving licence when you turn 70.
http://www.best-motorcycle-information.com/moped-licence.html

gardenia101

OP - my local credit union gets asked quite frequently about loans for vehicles to get to work. They will loan for this reason (max loan is £500) but ideally like you to have saved a small amount for at least 10 weeks. Sometimes this saving rule is waived provided you can prove that you can repay the loan - they will include benefit money as income & then your outgoings in detail. APR is 1-2%, so it is a really good rate.

Why don't you try your local credit union?

colin13

credit union iff you are a member,,great for situations like this,,sorry gardiner just read ur post

[Deleted User]

Bridge-Burner wrote: »

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.

the answer is very simple







NO