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Author Need a Loan
Danny P
Member
Registered: 20th Nov 02
Location: Cleckheaton, West Yorkshire
User status: Offline
15th Nov 05 at 21:31   View User's Profile U2U Member Reply With Quote
Wheres best place to get one from

Online or from a Bank?
MarkW
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Registered: 19th Mar 04
Location: Orpington, Kent
User status: Offline
15th Nov 05 at 21:32   View User's Profile U2U Member Reply With Quote
Alliance & Leicester seem to have good deals at mo, low interest etc
SXI_SAM
Member
Registered: 16th Sep 05
Location: Burton-on-Trent, Staffs
User status: Offline
15th Nov 05 at 21:32   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Danny P
Wheres best place to get one from

Online or from a Bank?


I got a really good loan online from The Nationwide - did it all online!
Nick A
Member
Registered: 28th Nov 04
Location: Hertfordshire
User status: Offline
15th Nov 05 at 21:35   View User's Profile U2U Member Reply With Quote
northern rock - depending on how old you are!

think you have to be over 21
Danny P
Member
Registered: 20th Nov 02
Location: Cleckheaton, West Yorkshire
User status: Offline
15th Nov 05 at 21:36   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Nick A

think you have to be over 21


Yeah im 21.

Will be looking to borrow around 6k and pay it over about 3 years BTW
Fear
Member
Registered: 20th Nov 02
Location: Down off the hill
User status: Offline
15th Nov 05 at 21:44   View User's Profile U2U Member Reply With Quote
cahoot do a good interest rate!
Danny P
Member
Registered: 20th Nov 02
Location: Cleckheaton, West Yorkshire
User status: Offline
15th Nov 05 at 21:45   View User's Profile U2U Member Reply With Quote
Whats a good interest these days?

Obviously the lower the better, but surley that would be too easy to just pick that one or everyone would just choose it
Paul H
Member
Registered: 11th Aug 03
Location: Lincoln.
User status: Offline
15th Nov 05 at 21:48   View User's Profile U2U Member Reply With Quote
nationwide where doing one at 5%apr
Danny P
Member
Registered: 20th Nov 02
Location: Cleckheaton, West Yorkshire
User status: Offline
15th Nov 05 at 21:50   View User's Profile U2U Member Reply With Quote
Just found a site to compare a few and it came up with this:

http://www.uswitch.com/Loans/OutputTable.aspx?ref=op%7echeapest-loans-uk&SessionID=Qczl23WZt%2fbPY4HdIC5nGsTP31u0mg7f

Never heard of that company at the top though
Paul H
Member
Registered: 11th Aug 03
Location: Lincoln.
User status: Offline
15th Nov 05 at 21:57   View User's Profile U2U Member Reply With Quote
cheap rate though.just make sure it's fixed
Danny P
Member
Registered: 20th Nov 02
Location: Cleckheaton, West Yorkshire
User status: Offline
15th Nov 05 at 22:08   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by chewy
cheap rate though.just make sure it's fixed


Just read the small print and you've got be earning over 25k a year

Cahoot looks my best bet - just hope it wont take ages to come through
Fear
Member
Registered: 20th Nov 02
Location: Down off the hill
User status: Offline
15th Nov 05 at 22:13   View User's Profile U2U Member Reply With Quote
me and my old man got a cahoot loan and had no proba came trough quite quick!

cahoot and northan rock are the cheapest, northan rock are 5.7 and cahoot 5.8 so nothing really in it!
Danny P
Member
Registered: 20th Nov 02
Location: Cleckheaton, West Yorkshire
User status: Offline
15th Nov 05 at 22:21   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Fear
me and my old man got a cahoot loan and had no proba came trough quite quick!

cahoot and northan rock are the cheapest, northan rock are 5.7 and cahoot 5.8 so nothing really in it!


Cahoot dont charge you though if you pay it off early and from looking on Northen Rock it does. Hoping for a large lump sum due to back pay at work so would pay that off as soon as i get it then hopefully reduce the payments monthly/reduce the lenght i've borrowed from
–DAN–
Member
Registered: 14th Nov 05
Location: West Yorkshire
User status: Offline
15th Nov 05 at 22:42   View User's Profile U2U Member Reply With Quote
I applied to Northern Rock for a loan advertised at 5.8% a couple of months ago - it was an online offer - when I got my application approved though it was more like 12% so I went with CAHOOT as well - I agree - they're good.

Either that or get a few 6 months 0% APR cards and just switch em when the 6 months is up to different 6 months 0% APR.
C00RSA
Member
Registered: 7th Jun 05
Location: Hertfordshire
User status: Offline
15th Nov 05 at 22:44   View User's Profile U2U Member Reply With Quote
Don't wanna put a downer on it but why not save up instead of a loan. I got a loan and was in alot of trouble paying it. If you desperatly need it then get it, if not then save a little bit
Kyle T
Premium Member

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Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline
15th Nov 05 at 22:51   View Garage View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Uburnout
Don't wanna put a downer on it but why not save up instead of a loan. I got a loan and was in alot of trouble paying it. If you desperatly need it then get it, if not then save a little bit


Thats probably because you took out a loan without calculating whether or not you could comfortably pay it off.

If you do all your homework properly, loans are a great idea.

Lotus Elise 111R

Impreza WRX STi
Fear
Member
Registered: 20th Nov 02
Location: Down off the hill
User status: Offline
15th Nov 05 at 22:51   View User's Profile U2U Member Reply With Quote
the way i see it you have to save each month the amount you pay back and so you wait 3 years and then have the money and then buy what you want or you get it before and have 3 years enjoyment out of it and your still at the smae place in 3 years time!

and if its a direct debit you cant stop it if you are saving theres nothing stopping you dipping into it!
C00RSA
Member
Registered: 7th Jun 05
Location: Hertfordshire
User status: Offline
15th Nov 05 at 22:53   View User's Profile U2U Member Reply With Quote
No I could afford it but like half of the population that get loans I got another one
C00RSA
Member
Registered: 7th Jun 05
Location: Hertfordshire
User status: Offline
15th Nov 05 at 22:54   View User's Profile U2U Member Reply With Quote
I am now however able to pay my loans comfortably but I just dont like the fact im paying them for the next 3 yrs
Fear
Member
Registered: 20th Nov 02
Location: Down off the hill
User status: Offline
15th Nov 05 at 22:55   View User's Profile U2U Member Reply With Quote
well thats your own fault then!

as you could afford the first one but then did calculate it right for the second one or however many more you got!

not everyone that gets aloan gets another one!
C00RSA
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Registered: 7th Jun 05
Location: Hertfordshire
User status: Offline
15th Nov 05 at 22:56   View User's Profile U2U Member Reply With Quote
a report out about 2 months ago says about 50% of all people that have 1 loan get another, And I dont mind paying back just dont like the thort of paying for another 3 yrs (yes i know its my own fault) just trying to advise
Fear
Member
Registered: 20th Nov 02
Location: Down off the hill
User status: Offline
15th Nov 05 at 22:58   View User's Profile U2U Member Reply With Quote
i know your just advising but 50% is still only half so that means alot of people also dont get another one!

and if your paying it back for 3 years then you would rather be saving for it and then spend after 3 years and have nothing in between!
C00RSA
Member
Registered: 7th Jun 05
Location: Hertfordshire
User status: Offline
15th Nov 05 at 22:59   View User's Profile U2U Member Reply With Quote
still be happier without the loans, anyway its ur own choice just totally understand what your getting yourself into
–DAN–
Member
Registered: 14th Nov 05
Location: West Yorkshire
User status: Offline
15th Nov 05 at 23:01   View User's Profile U2U Member Reply With Quote
the problem with debt is simple: its easy to get into debt, but a lot harder to get out of.
I just got a loan to pay off 5 credit cards. I chopped em all up and wont be getting another...
...ever! They're are the devils playing cards.
Fear
Member
Registered: 20th Nov 02
Location: Down off the hill
User status: Offline
15th Nov 05 at 23:01   View User's Profile U2U Member Reply With Quote
what you gonna be like with a mortgage

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