Credit Card / Loans / Finance

sophinabobina

Hi!
I am looking at all my options for 2 reasons
My car's HP ends in October, with a final fee of 5500
Health treatment that i need/want doing privately

I have never had a credit card or a personal loan, only car finance and HP finance.

the amount i need to borrow is 9k, Ideally i would like to continue to finance my car and take out a 3k loan for the operation. i have no real knowledge other than reading through other peoples questions of how this works.
my concern is that i will be approved for my car finance and then won't be able to apply or be approved for a loan as well. would i be better off getting a personal loan for the total sum, or bring a credit card into the equation.

my outgoings are around £350, income is just over£18k
my credit rating is good

PLEASE HELP! all advice welcomed, very new to this!
thank you

[Deleted User]

Could you keep to just one post, rather than spamming all the boards.

Are you saying you want to start a new car refinance deal? Or borrow to pay a balloon payment?

Your salary is quite low for a further 9k on top of your existing debts.

sophinabobina

im not trying to spam, i just wanted as much response as possible. as said im new to this.

i dont have any other debt

[Deleted User]

You said you had a car on HP. Is that no a debt?

Did you sign a credit agreement when you took it out?

sophinabobina

it ends in October, to buy the car - 5500 and that's what id like to do

[Deleted User]

What amount shows on your credit files for the car?

sophinabobina

Im not sure what you mean by amount showing on my credit file.

i have done a basic check with experian, all i know is that my rating is good

[Deleted User]

Your rating is irrelevant. Experian don't lend money.

What debts and credit agreements appear on your file?