Recent graduate looking for Personal Loan

Dobbibill

sourcrates wrote: »

To "gain" this loan, you would have to lye on your application.

OP - Before you think lying on an application is a good idea, consider where you pay your income from your new job in September if you land up with a CIFAS marker for Application Fraud and no-one will give you a bank account.

https://www.uk.equifax.com/publicsectorgateway/webapp/online-help/CIFAS.htm


If you think it's still worth giving it a go then go for it, one hard search won't hurt but make sure your application is honest.

Larac

Why not get a short term job for a few months and then you will have enough money for a holiday at the end of it?. My son graduated last year from his masters, worked the summer, had a holiday before starting work in October.

Voyager2002

sourcrates wrote: »

To "gain" this loan, you would have to lye on your application.

I agree that obtaining a loan by deception would be an extremely bad idea. However, I do have experience (although not recent experience) of obtaining a bank loan when unemployed from a bank that knew me.

Mushroom55

Just to be clear I do not intend to lie when pursuing a loan, my aim was to see if I was eligible and if not whether there are any alternatives available.

I would love to get a job but I literally have a 6 week period free before employment.

Clive_Woody

When I finished my degree I went inter-railing for just over month before starting my PhD, it was funded by my overdraft. My bank agreed to extend my overdraft based on my secured PhD place which came with a stipend.

It might be worth a shot.

Sncjw

I!!!8217;m assuming you have graduated now. There!!!8217;s two/three months before September. If your struggling to pay your bills now I would get a job on a shop or a seasonal job.

Sncjw

If you save up and wait in the future for a holiday. The holiday will be better as you won’t have a debt hanging over you

redpete

Do you gave a student bank account that allows you to gave an overdraft for a period after graduating?

foxy-stoat

Mushroom55 wrote: »

I would love to get a job but I literally have a 6 week period free before employment.

I assume your course that you are a graduate of wasn't maths was it!

tiger_eyes

Mushroom55 wrote: »

I currently have a student account at Santander and am very close to being overdrawn and the overdraft limit is not quite enough to cover my costs.

You have no income and owe money. It makes no financial sense to take out a loan for a holiday. For essential job startup costs, absolutely, but taking out loans for holidays when you're already almost at your overdraft limit is the beginning of a long-term debt problem.