Can't get a loan, so frustrating!!!

Sit

I'm 19 years old and now work 16 hours a week and no one will accept me for a £2000 loan. I need it for redecorating my room.

Are there any alternative sources to gain funds for this type of project besides the mainstream lenders?

Thanks

gingeralan

!!!!!!, save up! 2k to decorate a room, what are you using? Melted Gold?

Don't get a large loan (in relation to your income) for something like this. You will regret his decision in years to come if you can find someone willing to rip you off or your unfortunate guarantor. Don't borrow.

Sit

gingeralan wrote: »

!!!!!!, save up! 2k to decorate a room, what are you using? Melted Gold?

Don't get a large loan (in relation to your income) for something like this. You will regret his decision in years to come if you can find someone willing to rip you off or your unfortunate guarantor. Don't borrow.

Lmao it's not just decorating though, it needs plastering and the ceiling needs doing again.

gingeralan

I say again save up! You don't sound like you have the maturity to take out finance looking at your previous posts.

marleyboy

I would think of it as a positive, getting a loan is relatively easy with the cash clowns and their 5993% APR's. But its a downhill slope if you pay just one instalment late or miss a payment. Plastering the walls does not cost much if you DIY, I am not sure what needs doing to the ceiling, but if it needs doing again would suspect something more essential needs doing rather than papering over the cracks (metaphorically speaking).

Save the money up that you would use for paying the instalments, doing one job at a time will allow you to buy the materials more affordably and debt free.

Sit

marleyboy wrote: »

I would think of it as a positive, getting a loan is relatively easy with the cash clowns and their 5993% APR's. But its a downhill slope if you pay just one instalment late or miss a payment. Plastering the walls does not cost much if you DIY, I am not sure what needs doing to the ceiling, but if it needs doing again would suspect something more essential needs doing rather than papering over the cracks (metaphorically speaking).

Save the money up that you would use for paying the instalments, doing one job at a time will allow you to buy the materials more affordably and debt free.

Thank you for the useful advice

barbarawright

Get the owner to do it - I assume that a 19 year old working 16 hours a week isn't a home-owner. Why borrow to sort out someone else's property? If it's your parent's home and you feel obliged to help out, as others have said, just save up. But £2000 still seems an awful lot for what you're saying. Presumably you can do the painting yourself?

CHR15

If you worked a lot more hours like everyone else you wouldn't spend half your life staring at the walls.

meer53

I could decorate my house for less than that.

Janie4Now

I decorated my whole house for less than that AND it included replastering a whole room!

Why not go to college and learn how to do it yourself?:)

Peelerfart

C'mon OP fess up - you want to decorate it with with a smart TV,Xbox,PS3 and an Iphone dont you?