Loan Advice with soft search % rate

ANTWAR72

Hi all
Any advice would be appreciated....
I am thinking of applying for a loan for a car in March for £8000.
Here are my details
Salary £24960, overtime Not included
1 C/C Nationwide limit £2500 balance £550 paying off 01/2/13 spent in all about 2-3000 on the card since september 0% interest for 6 months ends 13/3/2013
no other debt at all
usual rent/bills all paid by D/D on time no late payments
£300.00 O/DRAFT for 12 months now never touched
on Electoral role at this address for since 02/11/11 also at prev for 5 year
Nationwide soft search 13.9%
my own Bank Barclays pre selected for a loan amount UP TO £22500 but apr 18.9% :mad:
When i i have paid C/C do you think APR from Nationwide will improve an do you think there is a good chance of being accepted.Also not applied for any credit since 11/09/12 when i was accepted for C/C.

[Deleted User]

a soft search offer of 13.9% would usually indicate acceptance

MrOrchard

A third of annual salary seems a hell of a lot to spend on a car, the old adage "drive a cheap car but own the best house you can afford" still rings true.

ANTWAR72

Hi all
sort search quotation on £8000 13.9%. Finally applied but i am now stuck in limbo regarding their decision,continued application signed loan aggreement ,what bank account to deposit/debit payment.Now got to wait 2 days to see if i am accepted.If a refusal would this have not have gone so far?
Any body in this position that could shed any light then it would be appreciated.:D