Finance

Hi girls,
new to this and still in the research stage for a BA but does anyone if someone else take the finance for me? i have spoke to my mum who has agreed to take the finance in her name as i only work 16 hours a week so i dont qualify..
thankyou ladies xx

Hi I think you can get a guarantor, worried I won’t get accepted for the finance but fingers crossed x

i know i wont hopefully my mum can take it for me 🙁 fingers crossed for you xx

Yeah, the finance can go in your mums name as that’s what they suggested to me. I think the interest rate was 19.9% though, which is a lot. Your mum can pay them back over a period of period of 24, 36 or 48 months. Also, depending on the amount of deposit you put down and how much it will cost you, will depend on how much each monthly payment is. Hope this helps xx

ah thankyou holly thats a lot of help!
sounds like it might be better to take out a loan and pay in full! i cant have the op just yet anyway as ive just started a new job and i dont think theyll appreciate me asking for time off straight away for new boobs lol hopefully i can save some money first and try pay off some of it 🙂

thankyouuu x

You’re welcome 🙂 I’m thinking of taking out a loan as well if I can find a good interest rate or none at all! Either that, or I’m hoping my parents will put the rest towards it and then I will pay them back as they wont charge me interest haha! Well done on your new job! xx

I think you can do it over 10 months aswell which is 0% interest and they don’t do a credit check, I’m going to try that, and put down about half if I can xx

thankyou holly :):)

Kelly that sounds good hopefully that could be an option for me once i have saved a little, hopefully the monthly payments wouldnt be to much as i have a veryyyyy expensive 1 year old lol!! xx

Hey I got fiance but my mum had to be named on it so its like a joint loan for me and my mum, mines over 3 years and is going to be roughly 140per month 🙂 hope this helps xx

Just an idea, but what about a credit card with 0% interest on purchases? 🙂

Yeah i have my friend paying half of it off on finance for me. Ifs over 10 months with 0% interest. So I’ll be paying for half before i have it done then the rest on finance. Xx

Id probably look at getting a 0% credit card or a low interest loan for your mum as the finance is quite steep regarding finance! xxx

the credit card sounds like a good idea! maybe i could have the op sooner than i think then :D:D
thankyou so much girls youve been a big help xxxx

Yes I paid for so much of my op cash and then rest I put on 0% interest credit card and hope to have it paid off before the interest free period ends.

But if you have a bad credit would you get excepted for a credit card? X

possibly not

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