new help

samwashere1

hello everyone i wanted to ask has anyone heard of a company called
YOUR LOANS? i have tried everywhere to get a loan due to my partners history i cant! these people seem to offer loans according to their web site to people that are even unemployed, has anyone heard of them ?

poppasmurf_bewdley

If you are looking to get a loan for someone who is unemployed, no normal lender will give you a loan. The only people you will find are scammers, payday loan companies, or loan sharks. Or companies that demand a guarantor for the loan.

So if you want to be scammed or threatened, or put your friends or family in the firing line when you default on the loan, then forget about getting one and sort out your spending instead.

Sorry it's not what you want to hear, but if you are unemployed and have a bad credit record, then you really should not be looking for a loan.

CLAPTON

samwashere1 wrote: »

hello everyone i wanted to ask has anyone heard of a company called
YOUR LOANS? i have tried everywhere to get a loan due to my partners history i cant! these people seem to offer loans according to their web site to people that are even unemployed, has anyone heard of them ?

do you work for them?

if so then you know they are a rip off otherwise just assume that anyone that offers loans to unemployed and people with a history of not paying are a rip off.

mazza25

Anyone willing to give loans to someone with no income, is not your friend. Stay well clear.

samwashere1

hi i am not unemployed, the site says it offers to unemplyed people so i wondered due to my partners history would i ahve a better chance at being accepted?

poppasmurf_bewdley wrote: »

If you are looking to get a loan for someone who is unemployed, no normal lender will give you a loan. The only people you will find are scammers, payday loan companies, or loan sharks. Or companies that demand a guarantor for the loan.

So if you want to be scammed or threatened, or put your friends or family in the firing line when you default on the loan, then forget about getting one and sort out your spending instead.

Sorry it's not what you want to hear, but if you are unemployed and have a bad credit record, then you really should not be looking for a loan.

mazza25

samwashere1 wrote: »

hi i am not unemployed, the site says it offers to unemplyed people so i wondered due to my partners history would i ahve a better chance at being accepted?

You probably would but it would be an extremely bad idea IMO.

samwashere1

i keep getting turned down for a loan due to my partners history, i have a good credit score but finding it hard to get a loan, i have never once missed any payments of morgage etc yet still am getting refused, i dont know where else to apply, even though i am doing the applications as a single applicant

mazza25

How many applications have you done? Repeated applications will not help.
Loans are about affordability.

Have you considered your local credit union?

samwashere1

mazza25 wrote: »

How many applications have you done? Repeated applications will not help.
Loans are about affordability.

Have you considered your local credit union?

i havnt as i thought you had to have a savings account with credit union? i applied for tesco even if i ahd a loan with them years ago and paid it off early in full they still turned me down!, my partners history is rubbish due to getting made redundant last year, i wanted part of the loan to pay off her debts, though they are not much money owed by her, also to give her a clean slate while job hunting, i am just finding it very hard to get accepcted , i was going to apply to sainsburys etc but with tesco turning me down its put me off any main stream , i tried even to remorgae but they now require recipts! for what the money is for etc . i am in equidy with my morgage, sorry for typis small keys on phone

mazza25

You do need to have an account with them but it can be set up very quickly and their rates are pretty decent.

samwashere1

mazza25 wrote: »

You do need to have an account with them but it can be set up very quickly and their rates are pretty decent.

mazza, thank you, do you know will they take me as a single applicant, without my partner? this seems to be the problem in getting a loan as we both live at same address i think that is why