Declined

How have you all paid / planning on paying for the procedure, I’ve been declined from mya finance and no other personal loan company will accept me but I’m not sure why? Is there any other options

I’m using MYA finance but the 10 month interest free option. I save up for half of it to pay the deposit then pay the rest after for 10 months.
Why don’t you see if you can get a loan with your bank or a credit card and save for half of it?xx

I had a bank loan they’ll check everything for you worth a try good luck xx

Have you tried checking your credit report yourself online through Experian? I had the same issue, my finance application got declined first time so I checked my credit report with Experian and figured out what the issue was. I corrected it and my next finance application got accepted. x

I paid for mine all upfront as I’d been saving for a little bit and then just made sure I booked my consultation and op with enough time for me to pay the remaining balance all in time. Xx

I paid all mine upfront, but I know people with a great credit score getting refused by Experian. I’d say see if you can get a credit card or a bank loan.

Need to check your credit rating Hun. Experian do a free trial that you can cancel and not pay after. Clearscore is good also.

I choose to fund mine elsewhere. MYA’s finance APR is way to high to be honest. I funded £5000 through zopa and pay back £91 a month over 60months total payable £5460. Interest is £460 over the 60months which is next to nothing. I funded the other £3000 myself. I’ve used zopa before and they are great. Few other company’s have some awesome rates at the moment between 3.1% and 6.9% APR.

What questions did they ask or did they just do credit check can someone help with good loan due to littlewoods catalogue I’ve got declined on most need one with out gaurentore

I was declined through MYA finance, even though i have a car on finance , went to my bank explain the situation that i wont have no credit rating, they did a check and sent off the application and i got it there and then!
Over 3 years and my credit rating will now go up (ensuring i pay it all and in the time frame)
Speak to your bank or maybe look at a credit card if cant get a loan and pay back the cards ?

Look at all your options really worth it!

Thankyou so much for all your help girls, I looked on Experian and I can’t get accepted for a personal loan because I have little credit history, even though I have a car on finance which I’ve always paid on time. However I’m going to make an appointment with my bank and explain the situation and see what they can do for me! If all else fails I’ll just have to carry on saving and pay upfront but its so annoying because I just don’t want to wait any longer ahhh!!! Xxx

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