FML question!

If u need a guarantor do they credit score them?

And

Wot APR do they do?

Thanks xx

yh they will credit score them but there not as tough on them, and i think mya is high at about 22% per somthing like that, could you not get a loan through a bank? xx

They credit score the guarantor, they have to be a homeowner, and a good credit history, they gave me an APR of 58% i never took it though xx

58%!!! omg! X

Hi Deedee, Your joint applicant/guarantor would be credit checked, they don’t have to be a homeowner but they do have to be working over 20 hours a week with a generally good credit history. The APR on the loan is 26.0% (variable)

Hope this helps!

They gave me 100% loan with my mum as gaurantor, it’s interest free though as paying over 12 months, repayments are high at £312 but in a years time they’ll be mine! xx

DONT DO IT BEEN THERE GOT T/SHIRT IF YOU DONT PAY IT BACK IN YEAR YOU F**KD XXX

What do you mean?…. have you had a bad experience with them? xx

yes hun its a long story but took me years to pay them back they con artists just take people for a ride….girls u will get finance if you patient i thought id never get it but i did in the end xxx

Oh! Now i’m worried!! I have a 12 month interest free payment plan with them, i won’t miss any payments but will they try and charge me more money or anything?? xx

you be fine if you make your payments every month hun just check the small print see what they charge for late or missed payment. i didnt mean to worry you hun i just been tho the mill trying to get a loan for my BA been to all the compenys and lost a few quid along the way xx

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