Anyone got a loan?

McMikes

Is there anyone who managed to get a loan in last months? I've been refused two times despite good salary and rating. just wonder if I wasting my time and attempts

nomoneytoday

I got a new Debt card last month with no problems (only to get some Quidco money lol)

Tori_Bellatrix

Yeah, I've just been fully approved for a Tesco loan this week.

BettySpaghetti_2

I was approved for a loan by the Halifax a couple of weeks ago - I do bank with them though.

[Deleted User]

MY BANK RBS have asked me everytime ive been in recently if i want a loan,mind you ive been with them 33 years and have a AAA credit rating despite being out of work for 10 years due to disability,but its essential in this climate not to miss even the smallest payment or be even a day late with one

MYLITTLESISTERLOLA

McMikes wrote: »

Is there anyone who managed to get a loan in last months? I've been refused two times despite good salary and rating. just wonder if I wasting my time and attempts

Loans are not just connected to credit rating and income - repayment capacity is also taken into a/c, have the banks asked for an income & expenditure ??
MLSL

sjc_2

I applied for a Barclaycard loan to clean my Barclaycard but was refused.

I then applied for the same amount through my Bank First Direct and was approved online instantly and the money was deposited to my Bank Account all within 2 minutes of applying.

So paid off Barclaycard and closing it.

Scousebird_2

sjc wrote: »

I applied for a Barclaycard loan to clean my Barclaycard but was refused.

I then applied for the same amount through my Bank First Direct and was approved online instantly and the money was deposited to my Bank Account all within 2 minutes of applying.

So paid off Barclaycard and closing it.

Good for you!! I think it's great when you can do that!!

queen_of_leon

i got one from egg last week...not the rate i wanted but a better rate than from my bank!

McMikes

MYLITTLESISTERLOLA wrote: »

Loans are not just connected to credit rating and income - repayment capacity is also taken into a/c, have the banks asked for an income & expenditure ??
MLSL

of course, my expenses quite small and I just needed a loan to reduce payments on another one but for some reason they refused me (tesco). I've applied for joint loan.
Sainsburys offered me 20% ))) pirates!

anyway it is not that critical, just wanted to find out what is going on on the market with loans upto 7.9%

Tori_Bellatrix

Lol! I have the opposite to you then, Sainsburys turned me down but Tesco accepted me ..