infinite2006 wrote: »
I'm thinking of applying to Zopa for a new 10k loan. Its for long overdue home improvments for this winter. I was offered a rate of 7.1% APR from Zopa after the soft credit search last month, 25th June 2013. However, since then I have cleared £4600 credit card with MBNA and closed the account and also reduced £3000 Santander credit card outstanding to £1000. I also have a Halifax outstanding £4000 but its 26 months at 0%. I hope to clear and close Santander next month.
Is there any point in applying to Zopa again for an improved rate, I was thinking the 2nd or 3rd of the month seems to be the most favourable window for new applications. Or would I be best just going to Sainsburys, 5.1 APR? Nationwide is also on the radar, Im not an existing current account holder but have mortgage with them. Any advice appreciated.
redhotpepper wrote: »
I am not sure about you applying for Sainsbury's. I applied 2 weeks ago for £15000 over 3 years. Advertised apr was 4.9%. I was offerred at 6.1%. I then applied tesco for the same amount and got advertised 5.1% APR. I earn £75000 a year, no other outstanding debts apart from a mortgage and have 3 credit cards which I have always paid in full over last 8 years and have never missed a payment. I then applied for tesco credit card 0% for new purchases over 18 months which has been approved with a credit limit of £11000. So I am not sure of taking the loan in first place. So in nutshell, tesco maybe a better bet
kaoswbz wrote: »
Can anyone tell me what criteria I am not meeting with Zopa??
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