Anyone know any good loan companies?

Ive heard tesco are good, basically I would have only been in my job for a short time when I look to apply (when back in the UK as im working overseas atm) and in my job back home which i am going back to I earn around 1000 a month or even just under!! If I can get together the £2000 for my deposit im looking to borrow just over 5000 (nose and boobs) im concerned that I dont have a hope in hell of getting a loan after reading that girls in a waaay better financial position are getting declined!?? Oh and my credit history isnt bad either…xx

Im not sure how strict Tesco are with accepting people for loans but if you borrow £8000 the apr is only 6.1% , if you borrow any less it’s around 16% xx

Aw ok thanks hun yeah thats not bad! Ill have to have a think about that one cos by the sounds of it the finance is really hard to get with MYA now xx

yeahh ive read someone got rejected from the finance company mya use as she submitted it as a joint application with her dad as she had little credit history and his was really good but it got rejected as neither were a homeowner also the apr is really high, if you pay the 2000.00 deposit it’s interest free for a year but after that it’s 21.9% it might be worth booking an appointment to speak to your bank’s branch manager, my mum went to see her bank manager to find out why she was getting rejected for finance and he said she would be able to get a loan with her bank because they use a different credit check system than most loan/finance companies if you bank with them

xx

Have you tried Zopa? The loans don’t come from banks but from investors, just people who have a lot of money wanting to lend it to people. The interest is quite low too x

do you know how easy it is to get a loan with zopa? x

God thats alot apr is really high. Yeah I think it must be worth asking my bank I wish there was a site where we could put on what we want and our situation and people appply if they want to give you a loan so no getting rejected! Oh ok i might have a look at them thank you! Cos i dont think i could do a joint application either as parents are against it! All my bank require is that you have 700 turnover a month for 3months and u can borrow on 6.1 percent thats not too bad im sure theres more fine print thiugh! Xx

God thats alot apr is really high. Yeah I think it must be worth asking my bank I wish there was a site where we could put on what we want and our situation and people appply if they want to give you a loan so no getting rejected! Oh ok i might have a look at them thank you! Cos i dont think i could do a joint application either as parents are against it! All my bank require is that you have 700 turnover a month for 3months and u can borrow on 6.1 percent thats not too bad im sure theres more fine print thiugh! Xx

God thats alot apr is really high. Yeah I think it must be worth asking my bank I wish there was a site where we could put on what we want and our situation and people appply if they want to give you a loan so no getting rejected! Oh ok i might have a look at them thank you! Cos i dont think i could do a joint application either as parents are against it! All my bank require is that you have 700 turnover a month for 3months and u can borrow on 6.1 percent thats not too bad im sure theres more fine print thiugh! Xx

God thats alot apr is really high. Yeah I think it must be worth asking my bank I wish there was a site where we could put on what we want and our situation and people appply if they want to give you a loan so no getting rejected! Oh ok i might have a look at them thank you! Cos i dont think i could do a joint application either as parents are against it! All my bank require is that you have 700 turnover a month for 3months and u can borrow on 6.1 percent thats not too bad im sure theres more fine print thiugh! Xx

i knowww mya could do with finding another finance company and yeahh me too that would be good ! i cant get any sort of credit whatsoever because i still have a student bank account (only found out today) when i havent been a student for 2 years so every time i have applied for credit i have been rejected which means ive now got bad credit because ive been rejected so many times and that sounds good ! worth a try xx

i got told mya doesnt have a finance company and wont have one till the 1st of feb so they dont know what the apr or terms will be or anything x

Are MYA not using V12 anymore? They used first medical loans a few years ago, then switched to V12 because they had a higher acceptance rate apparently. Or so my PC told me! That was back in September last year though. Things might have changed since then!

Oh that sucks. Oops and sorry for all the post bloody phone! Well id love to go with their finance but not at that interest rate i guess ill have to talk to the bank! Thanks for your help girls. Good luck xx

v12 pulled out of lending for cosmetic surgery because of this pip scandal, people werent paying there loans back, so they stopped all lending, not mya’s fault at all, they started using FML again, but the apr is something like 21.9% unless you pay a huge deposit, and the acceptance rate is very very poor (according to loads on here, even with great credit and the like) xx

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