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Credit Card / Loans / Finance
sophinabobina
Posts: 6 Forumite
in Loans
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
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
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