car loans for bad credit

mofopants

hi all

I currently have a terrible credit rating and my car has just died, i have 2 young children to get to nursery, one of which attends a special needs nursery 30 miles away with no transport available.

i tried car finance 247 and they want to pair me with amigo loans - can anyone thing of any other options

thanks

[Deleted User]

Buy a cheap one for cash.

robber2

Get the car fixed?

DCFC79

You have a terrible credit history, you will find it hard to find a lender to lend tp you.

Buying 1 for cash or get current 1 fixed are your only options unless you pay through the nose in interest rates.

Got any family who could pay for the repairs ?

I wouldn't go near Amigo loans asyou need a guaeantor and would you like to get them involved when or if you fail to make a payment.

Ilona

You previous posts indicate that you are struggling to make ends meet, so how can you pay off another loan, that's if you could get one. You were considering bankruptcy in March, you have used payday loans, and that has put paid to any more borrowing from reputable lenders. The only lenders available to you are cowboys who are waiting in the shadows to rip you off. You will sink further into the mire if you choose to go down that route.

What has been happening since March? Have you been able to straighten your finances out? Have you been able to put a few £'s aside to cover for emergencies like the car? You knew it was going to happen a while back, that it would give up the ghost.

I suggest that you complete a Statement of Affairs, you need to start accounting for every penny that comes into the house and every penny that goes out.

http://www.stoozing.com/calculator/soa.php

I can't suggest any quick fixes, because I don't know enough about your situation, but I do know that the answer is not to borrow any more. If you post your SOA on the Debt Free Wannabe board people will be able to give you some pointers about how you can cut down what you spend, so you have money for the important things. Best of luck
Ilona

Puddylove

mofopants wrote: »

hi all

I currently have a terrible credit rating and my car has just died, i have 2 young children to get to nursery, one of which attends a special needs nursery 30 miles away with no transport available.

i tried car finance 247 and they want to pair me with amigo loans - can anyone thing of any other options

thanks

You can't afford to buy another car - what is wrong with yours, can you get it fixed?
And I agree with Ilona; you need to sort your finances out by heading over to the DFW board and doing a SOA.

http://www.stoozing.com/calculator/soa.php