Financing on a part time wage job?

Hey girls, was just wondering how and if any of you managed to finance your BA on a part time job? It says about needing a guaranteur but I have no one who would be willing to do this. Any suggestions?

Thanks ladies x

Do u have a credit card? I managed to talk mine into letting me have the cash interest free for 12 months!

I have a debit card but that’s all, how did you pay it back? Just each payday or something? X

Yeah just as and when, and when it’s not all paid off in 12 months so balance transfer! My hubby is helping aswell which helps.
Have you looked into credit cards? A lot have 0% on purchases for so long, and they arnt issued on how many hrs you work but on your credit rating x

Well I’ve never had a credit card, have no direct debits or a anything so I’m very much in the dark about it all haha. Honestly I have no idea how any of it works. Is using a credit card a better idea than using finance from MYA? And would I be able to get one if I never had anything like that? X

If uv never had credit it may well affect your credit rating and although they may give you one it may not be for much as you don’t get to state how much you want on a card the cc company decide! Didn’t really look at mya for finance as I figured they couldn’t beat 0%! Could u save up? Or maybe go to your bank for a loan if mya won’t let you. Or would one of your parents guarantor for you? X

personally id wait till your working full time x

Yeah that’s what I thought, ill have to see what their interest rate is when using finance. My parents wouldn’t do it I don’t think, mum might have but she’s retired! X

I may be getting promoted to full time after Christmas, lets hope!

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