Finance

Has anyone used the MYA finance pay4later? Bit weary of the high apr.?? If I pay the monthly sum on time every month is won’t get charged will I? Xx

You shouldn’t get charged if you pay on time, however you will still have to pay the 19.9% APR.

It is high, might be worth looking for a loan elsewhere for a cheaper rate? I know they MYA also do a loan at 0% but it’s pay half now and pay the rest over 10 months x

Thanks Tracey, who did you use? I’m so bad on these things and can’t ask parents help as they don’t want me to do it. Thanks xxx

I used tesco finance 12% lowest one I could find, hitachi loans offer 7% if you have an amazing credit score…ive never missed payments just never had a lot of things on credit so I was slightly above average score, hitachi offered me 13% but I just prefer tesco anyway. So quick with them, didn’t need to prove anything but it took a while with hitachi xxx

I used Zopa Loans, and got it at 12% plus If you have extra money you can pay extra off and your monthly payment amount goes down. Or get a 0% credit card xx

I paid for over half in cash then put the other bit on a 0% on purchases credit card (no apr for 20 months)

Thank you emily, just applied for tesco online so will see what happens xxx

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