Finance Options

Hey 🙂
So im still desperate to have new boobs, But have been refused finance )a few months back now) for Mya’s finance company.
This is so frustrating as I can easily afford the repayments and can prove this with wage slips etc but I just cannot get finance ANYWHERE and do not have a guarantoor! (Well I just wouldnt want to ask anyone to do that for me)

I have had a contract phone for well over a year that I have aleays made payments for on time and my credit rating is still the poorest it can be and I dont know why!!

Anyone else been through the same and managed to get finance?

hiya hun, I havent applied for finance yet but i no i need a guarantoor and to tbh MYA ARP is pretty high, im in the same boat as you i can afford the payments and i have a contract phone car insurance and never missed a payment. but i have no credit history!!! I want to pay via credit card for suritie reasons more than anything best bet may be going to your bank and talking about opsions, im going to my bank for a cc with low amount mps high apr but only using it for filling my car etc and then paying it back to do a history of lending and paying back hopefully moving on to a bigger amount with no apr. dont no if that helps xx

Thanks Meggies honey, I just know my bank wont allow me to have a loan/cc as I cant even get a bad credit – credit card with massive APR!…
Its so frustrating isnt it – I havent been able to get credit since I was a teenager so cant understand why it is still so bad! Ive checked experian etc and my rating is v poor! 🙁

Mines the same but its because im not registered at my current address to vote. A very easy credit card to get is a vanquis one just to help you build up your credit score. Spend a very small amount then pay back the minimum about each month. If you pay back in full everymonth this could also look bad as they wont be able to charge you any interest so they wont want to lend you money if they’re not going to make anything xx

Yes girls make sure your on the electoral roll!! theres no way you’ll get anything without it!! I s bad isnt it 🙁 Go to your bank and explain you want to rebuild your credit and how would they advise doing that etc. xx

Im on the electoral role have been for years, & I have applied for vanquis etc and been refused! …. Maybe a lottery win or a miracle is the way forward then ….
Thanks for your advise though girls…:)

I no feels like thats the onlym oppision sometimes!!! try your bank hun if anyone noes about finance etc its them!! xx

Hi 🙂 I’m the same, because I am not in debt and don’t have a credit history I can never get anything on finance etc. I don’t know if u know about it, but I used the ‘piggy bank’ payment scheme with Mya.. N booked in for my opp in 3 weeks.. U basically just pay what u want when u want.. It means u have to pay for them first but then once you’ve had them done u can use ur spare money on new underwear or clothes rather than still paying for the interest that u have to pay by gettin them on finance.. It feels like I have been waiting forever, but the time will soon come around and just think if u had started ur piggy bank when u first got knocked back for finance u could have been half way payed off by now 🙂 xx

Try using a card like luma to build credit. My cousin is using it as she has had a lot of credit problems in the past and is trying to make it right. The apr is really high and the credit limit is only 1500 but it is designed to help build your credit up. Use it for little things like fuel, weekly food shop and then pay off what you spent right away. That way you won’t be getting charged interest and you will be showing the credit peeps that you are paying off/building credit. It is working for my cousin but it takes time. Also have you checked what is giving you bad credit? My cousins was a phone bill and very bill she thought she had paid but was still there. She has spoken with them to sort it all out but I know sometimes if it is something like that and you sort it they can take it off your credit score. Good luck hun, hope you work something out xxx

@misfion right girls think its the only way forward 🙂 but least its something xx

Hey I just asked my bank for a loan as the know me and my credit history it was quick and easy! Just decided to tell them I needed the money for a new car! X

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