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Need abit of advice

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By (user no longer on site) OP   
over a year ago

Will having a low credit score affect me getting a small loan?

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By *rwhowhatwherewhyMan
over a year ago

Aylesbury

I'd say so

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By (user no longer on site)
over a year ago

Yes

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By *amissCouple
over a year ago

chelmsford


"Will having a low credit score affect me getting a small loan? "

Probably, depends where you go for your loan.

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By (user no longer on site)
over a year ago

You’ll probably have a better chance being accepted for a shitty loan where you pay back quadruple what you originally borrowed

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By *amissCouple
over a year ago

chelmsford


"You’ll probably have a better chance being accepted for a shitty loan where you pay back quadruple what you originally borrowed "

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By (user no longer on site) OP   
over a year ago

Don’t want a payday loan thing

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By *sGivesWoodWoman
over a year ago

ST. AUSTELL, CORNWALL

Maybe try to do without one if you can op.

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By *a LunaWoman
over a year ago

South Wales

It depends if you have a low score because of not much credit or because of being bad with money.

If it’s the first, your Bank may be willing to help with a loan because they see how you handle your finances.

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By (user no longer on site)
over a year ago

Martin Lewis' Moneysavingexpert website has good advice for people in your position OP

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By *amissCouple
over a year ago

chelmsford


"Don’t want a payday loan thing"

Best not to, have you asked at your bank?

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By *attb179Man
over a year ago

London


"Will having a low credit score affect me getting a small loan? "

How small? Could apply for a low interest credit card instead. May be lucky and get accepted.

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By (user no longer on site) OP   
over a year ago

I’m after a new car, it’s come up at the right price

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By *attb179Man
over a year ago

London

Santander have super low interest loans, I borrowed 10k for a car fml.

Not sure if your score will preclude you...

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By *lbinoGorillaMan
over a year ago

Redditch


"I’m after a new car, it’s come up at the right price"

From what I remember, finance houses used by car dealers are a bit more likely to accept you, but you'll possibly pay back more than from a bank.

Talk to the dealer and see what they say.

If it's a private sale, talk to your bank pronto

If you're worried, I have a friend in the automotive industry. P Mme if you want me to ask him anything

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By (user no longer on site) OP   
over a year ago


"I’m after a new car, it’s come up at the right price

From what I remember, finance houses used by car dealers are a bit more likely to accept you, but you'll possibly pay back more than from a bank.

Talk to the dealer and see what they say.

If it's a private sale, talk to your bank pronto

If you're worried, I have a friend in the automotive industry. P Mme if you want me to ask him anything "

Yea it’s a private sale the lads a mechanic so I know the cars been looked after. And tbf he has offered me finance on it, but I’d rather pay up front

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By *ifty grades of shadyCouple
over a year ago

Carisbrooke, Isle of Wight

The boring answer is that if you are struggling to finance the car, running it legally will be punitive. Cars come and go. Save the cash and buy one when you are better placed to afford to run it.

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