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

Right i no that this post is a little bit random...the problem is my credit rating is terrible but i really need to find a loan of say £1000 does anybody no of any loan companies (not brokers) that could help me plzzz? xx

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By *emima_puddlefuckCouple
over a year ago

hexham

Have u tried your bank i know it sounds obvious but u will get better interest rates on the repayments.

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

You should still be able to get one however you will be hammered by the APR

If your rating is bad you may be better checking out your credit history with experian (its free for 30 days I think) and getting it sorted in the long term

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

You haven't said what its for which doesn't help. If you want to buy a car, for example, then I cannot suggest anywhere that you may have not already tried. If your credit rating is poor due to debts, those you have paid off should write and confirm so and let the credit agency know too. If its poor because you are young, you just need to search harder, maybe a credit card? If you are in debt and need it to clear them, better option is to contact a debt management agency; consumer credit counselling agency was set up by the government and doesn't charge, helped me loads

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

yer there's no way in hell ill be able to find a loan through the well known or big named companies. There requirements are to high for me lol

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By *iss_tressWoman
over a year ago

London

Whatever you do avoid payday loans.

I'd try your bank first as Jem suggested, or if you can do what my kids do...visit the bank of mum and dad!

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

The reason i need the loan is to pay off a small debt and also to keep me going until the end of the month as my wages have already disappeared x

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

I've been in this situation before and I'm afraid you've got little chance of getting a loan without an exhorbitant interest rate - if you get one at all that is.

Capital One seem free and easy with their cash so give them a try, but your best bet is to try and get by without the loan and rebuild your credit history. It took me six years to get myself on a decent footing again (leftover debt from my first marriage that I had to take on when she stopped paying her debts).

It's a false economy to keep borrowing and believe you can pay it back, as that's what has got you a bad credit rating in the first place.

(If only Labour would own up to this eh lol)

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

you talk to much sense lol that's the reason i have a poor credit rating, My previous debts weren't paid and i ended up getting a ccj i have paid off all that debt roughly 2 years ago but it just seems that all of that has totally messed up my future with credit xx

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By *emima_puddlefuckCouple
over a year ago

hexham

i would live on porridge and lentils and rice til pay day...the last thing u need is more debt then investigate joining a local credit union...seriously borrowing is not going to help

(porridge, lentils and rice will fill you, is cheap and healthy...we did it when kev was doing his pgce)

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

Do you have a mortgage?

I borrowed £3,500 last year to clear my overdraught, borrowed it from my own bank, and (being crap with figures) got totally ripped! the interest alone id more than I was paying on bank charges

This year I got top up on my mortgage for £5,000 and it costs half as month every month as he feck'n loan did.

So if you have a mortgage, try a top up... but don't tell them you're desperate, say it's for house improvements. Hope this helps a little.

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

i haven't got a mortgage that's definitively the last thing i need lol ill just have to look around for a cheap loan or something i suppose xx

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

good luck

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

It's not ideal, but maybe try a credit card with a free introductory period...just don't make the same mistake I did and actually pay it off when you get paid! Also, keep an eye on the credit limits as they have a habit of keep pushing them up. Maybe just have one with a couple of hundred pounds just to see you through to the end of the month?

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

sounds like a good idea thank you for the advice xx

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


"Right i no that this post is a little bit random...the problem is my credit rating is terrible but i really need to find a loan of say £1000 does anybody no of any loan companies (not brokers) that could help me plzzz? xx"
Don't be silly, and get off the Cocaine

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