Short term loans

21tomlewis21

Where can you get a short term loan of £15 for 2 weeks.

[Deleted User]

Your parents, normally.

DCFC79

21tomlewis21 wrote: »

Where can you get a short term loan of £15 for 2 weeks.

Your parents.
Your granparents.

Why for £15, come on tell us the full story we might be able to help.

21tomlewis21

Hey I have a really bad credit history from the past I just had a few bigger bills this month. Over the past year i have got on top of things and got most of creditors pay off. My bank won't give me a small overdraft. I really need £15 to buy food for 2 weeks. My family and friends have been good to me in the past but I'm ashamed to ask for such a little amount. I just thought someone might know where you can get very small loans. I don't want anymore than this i just want to get enough to see me through till I get paid

Arleen

There is something deeper between you and family/friends if you would rather ask for such sum on the internet than them. And while 15 quid may hold you over for the two weeks, I think you could benefit from posting SOA (http://www.stoozing.com/calculator/soa.php) at Debt free wannabe (http://forums.moneysavingexpert.com/forumdisplay.php?f=76) and have a good look at your finances. Folks, there are very friendly, non-judgemental and full of great advice and support.

DCFC79

And what happens next month when theres another bill to be paid, you need to get a grip on this, I second the previous advice.

Got anything to sell ?

21tomlewis21

I always pay my bills on time. I always make sure they come out the day or day after I get paid. I always try to make sure I fill my petrol tank up as much as possible to makes sure I last till the end of month. I just sometimes leave myself short for things for my self. Compared to a year ago. I'm in a really good place last year i was in a really bad financial situation but even though now I've paid most of creditors in full. My credit rating is still, very low. Thanks though I will look in to the option you posted

DCFC79

21tomlewis21 wrote: »

I always pay my bills on time. I always make sure they come out the day or day after I get paid. I always try to make sure I fill my petrol tank up as much as possible to makes sure I last till the end of month. I just sometimes leave myself short for things for my self. Compared to a year ago. I'm in a really good place last year i was in a really bad financial situation but even though now I've paid most of creditors in full. My credit rating is still, very low. Thanks though I will look in to the option you posted

Your rating isnt whats important, lenders dont see it, they see the history.

[Deleted User]

21tomlewis21 wrote: »

I always pay my bills on time. I always make sure they come out the day or day after I get paid. I always try to make sure I fill my petrol tank up as much as possible to makes sure I last till the end of month. I just sometimes leave myself short for things for my self. Compared to a year ago. I'm in a really good place last year i was in a really bad financial situation but even though now I've paid most of creditors in full. My credit rating is still, very low. Thanks though I will look in to the option you posted

Please stop taking the mick out of real genuine people who chose to go to payday lenders rather then have their legs broke I suspect.

I've my own home and this is my one of 2 line's of credit when cash poor. I'm quite happy to pay for my own mistakes. ie taking a job that doesn't pay enough in the first place at one time, the buck does start with you, to many other things in the world to ponder over to take this seriously.

Approved for £200 in recent days from a company steps from where I work, confident I'll repay £369 IN 6 months.

21tomlewis21

the reason I made this post was to see if I could get ideas on where to find a small loan for a short period and not get a payday loan. I could easily find a payday loan but the ones that will accept people like me will only offer me loans of bigger amounts with high interest over a month. I would rather never use a payday loan again in life due to my problems in the past which were my own fault.

Pixie5740

I can't think of any lenders who will give you a loan for as little as £15. For that amount of money, if you can't/won't ask friends or family, I would consider hocking something at Cash Converters or similar. I know that's what my brother does. Another alternative might be a food bank but I understand those aren't as easy to access as one might imagine as it usually requires a referral.

Do you have any food at all in your home? If so get yourself across to the "Old Style" part of the forum. The people on that board can make a meal out of anything and give you some cheap but tasty food ideas.

A longer term solution would be to look at your budgeting. It's all very well having all your bills come out your account as soon as you get paid but you shouldn't be left short to pay for essentials such as food. Get yourself over to the Debt Free Wannabe board once you've raised your £15. The people there can help you budget and perhaps suggest some debt remedy tools that might be available to you.