Is there anywhere i can borrow very small amount from

animallover55

Does anyone know of anywhere i can borrow £15 from.

Most companies do a minimum of £100, but i dont need that much. I only want to borrow what i need and only need it for a maximum of 2 weeks.

I also have a bad credit rating.

Browntoa

one of the cash converter/cashgenerator shops in a high street

secured against an item of value or sell unwanted items outright

but high fees on loans and low buy in prices

animallover55

I have looked into that, but unfortunately do not have anything they want.

I dont have anyone i can borrow it from, so have spent all day trying to find other options.

I cant seem to find anywhete that does this, so was hoping someone on here might know of somewhere.

Gaz83

Have you tried to see if there is a local credit union? They might help you out. I think most credit unions only let people borrow if they're regular savers, though, but might be worth checking out.

Do you have some smaller expenses you could cut down on (alcohol, tobacco or anything like that)? Something gathering dust that you could sell?

HappyMJ

animallover55 wrote: »

I have looked into that, but unfortunately do not have anything they want.

I dont have anyone i can borrow it from, so have spent all day trying to find other options.

I cant seem to find anywhete that does this, so was hoping someone on here might know of somewhere.

Pawn the computer or mobile handset that you are typing your response into on here and use the library instead.

FireWyrm

Did I read that right? £15...one, five? Surely you dont need to borrow that, just dont spend it on something else instead. What can you not buy that amounts to the £15 you need?

Cash converters charge massive interest, far more than the money you want to borrow, it simply isnt cost effective.

StumpyPumpy

FireWyrm wrote: »

Did I read that right? £15...one, five? Surely you dont need to borrow that, just dont spend it on something else instead. What can you not buy that amounts to the £15 you need?

Well that's a really nasty comment. Have you considered that the OP might have absolutely no money to spend? And by no money, I don't mean no money apart from the £100 in loose change down the back of the sofa that you may have, I mean NO MONEY.

£15 might be a trivial amount to you and your daily spend but it isn't to everyone. You've got to be able to have £15 to spend before you can stop buying things to get it.

SP

whitewing

If it is for food, have you tried a food bank?

FireWyrm

StumpyPumpy wrote: »

Well that's a really nasty comment. Have you considered that the OP might have absolutely no money to spend? And by no money, I don't mean no money apart from the £100 in loose change down the back of the sofa that you may have, I mean NO MONEY.

£15 might be a trivial amount to you and your daily spend but it isn't to everyone. You've got to be able to have £15 to spend before you can stop buying things to get it.

SP

It isnt a nasty comment, it is a practical one. Borrowing £15 on short notice would cost far more than the £15 in the first place. If they are down to borrowing £15, there is a much bigger issue to address, like what happened to any other money that might have covered this problem. I've been down to brass farthings too, but there was always a way to save or squeeze a little bit more somewhere. Dont pay the gas bill this month, put £10 less in the car, cancel milk and papers...whatever, but borrowing £15 is silly and ultimately the more expensive option. The OP states that this is for a period of 2 weeks...what happens when those two weeks come and go and the debt has to be paid. If the OP didnt have it now, are they sure they'll have it to pay back plus stupid amounts of interest in two weeks? Borrowing £15 makes no sense at all.

StumpyPumpy

Seriously FireWyrm? You obviously don't understand the situation the OP could be in (I say could be in because I don't know, but then, neither do you) Of course "Borrowing £15 on short notice would cost far more than the £15 in the first place." Don't be so patronising. You really think only you know this? To ask the question in the first place shows the desperation of the OP and doesn't deserve your flippant and dismissive comments.

I've been down to brass farthings too, but there was always a way to save or squeeze a little bit more somewhere. Dont pay the gas bill this month, put £10 less in the car, cancel milk and papers...whatever

No you haven't. And that stupid line proves it. If you're down to "brass farthings" then you don't have a car to put "£10 less" in and you don't have the £10 to begin with. The gas is on a payment card that you can't afford to put money on. Spending money on getting milk delivered or newspapers? Are you for real? You are discussing luxuries here. Luxuries that many people stopped being able to afford years ago. What other suggestions have you got? Cancel the Caribbean cruise? Buy clothes from M&S instead of Monsoon? Drink cheaper wine? You're totally clueless.

borrowing £15 is silly and ultimately the more expensive option.

More expensive than what? Not eating for 2 weeks?

what happens when those two weeks come and go and the debt has to be paid

Well then they are two weeks into the future which is more than they might be if they don't get the £15. And things might have changed. Or they might be the same. Or their JSA might have come through or they might find £1,000,000 lying in the street. Who knows. Despite your "holier than though" attitude, you have obviously never lived a day-to-day existence, where it is futile worrying about anything other than where today'smoney for food is coming from.

And yes, I know I am being dramatic. Maybe they want £15 to top the Jag up with oil. Or maybe they are in more dire need of money than your limited experience lets you imagine. There are many, many people in this country today that are learning what real poverty means, when "having no money" means exactly that. They need help, they don't need people like you sneering down at them.

SP

animallover55

Thanks for your suggestions so far, but still not found a way.

I cannot pawn the device i am typing my replies on as it is my dads. My parents are pensioners and do not have any money to lend me, as they are only on a pension.

I do not have anthing to sell. I wish I did. I already live on a shoestring so nothing to cut back on.

The money is not for food, it is to go towards buying a coat. I have £15 but need another £15, as the coat is £30.

Before anyone says anyrhing nasty, my old coat is no longer wearable. I am currently suffering from severe depression, after being made redundant, and as a result have lost 6 stone in weight. All of my clothes are practically falling off me, but i can.live with that. What i cant live with is no coat, as it is too cold and wet.

Im not after anything fancy, just a warm coat from primark.

I woould have thought it was easier borrowing a smaller sum, but it seems i eas wrong. I am not willing to take out a £100 loan when i dont need that much and would be unable to pay it back. Even if i took the hundred and only spent the £15 i needed, the interest would be £25, more than the amount i originally wanted.
If
If anyone kbows of anywhere that does these small loans, please let me know.