Help needed for a loan!!

cnstokes

CLAPTON wrote: »

20k a year isn't a great deal of mileage;
I just changed my 170,000 mileage car which has cost me very little over the years; only changed it to give it to offspring.

anyway debt total of 10k on an income of 20k is very high.

the rate your bank offered is reasonable in these circumstances but there is nothing stoppong you try elsewhere.

cheers for the reply, is there any where you think i should be trying? i'd rather have a loan than car finance just because the apr will be lower and it will be my car (can also haggle down quite a bit with a private sale)

BugsyBrowne

callistris wrote: »

Haha your sarcasm is almost funny;)

It wasn't intended to be sarcasm, everyone's life is different 'one person might go out every Saturday night and spend £50 which is £200 a month and drive a £3k car where as another person don't go out every week and save that £200 a month and drive a 10k car.

We are all different when it's money involved.

DCFC79

cnstokes wrote: »

cheers for the reply, is there any where you think i should be trying?

Each lender will be different for everyone else, as i suggested try nationwide, i think tesco/sainsburys might be more co operative.

CLAPTON

cnstokes wrote: »

cheers for the reply, is there any where you think i should be trying? i'd rather have a loan than car finance just because the apr will be lower and it will be my car (can also haggle down quite a bit with a private sale)

you haven't really said what your credit files actually say but Nationwide allow you to apply without it affecting your credit files unless you accept the loan.

bigadaj

BugsyBrowne wrote: »

It wasn't intended to be sarcasm, everyone's life is different 'one person might go out every Saturday night and spend £50 which is £200 a month and drive a £3k car where as another person don't go out every week and save that £200 a month and drive a 10k car.

We are all different when it's money involved.

Though to be fair we know in the vast majority of cases the person with the ten grand car will also be spending on the social life and the cheap car owner will be sat at home counting their money.

Everyone is different, but the majority are either primarily spenders or savers, not often both.