Hitatchi Finance, and loans etc. Bad credit

Hello girls I am already saving and will have enough in April for half the deposit which I was told I would need £2500 and I could do the rest on finance with MYA as I got declined from the first finance company they use. However I cannot contain my excitement and think rather than paying half upfront as I am a single parent, I wouldn’t mind borrowing the full amount and paying off ect. I have been seeing so much about hitatchi finance. does anyone know if it will take money out of my bank for just applying like an application fee? as I don’t really want to pay a charge if Im not accepted because I could just wait to pay the half upfront anyway. My credit rating isn’t good so if I don’t get accepted I don’t wanna be charged. I work full time and still got declinded for a loan from the bank!

Hiya.

No they wont charge you for getting declined. I have a bad credit rating and got accepted straight away with Hitachi they are really good and i highly recommend them xx

brilliant thankyou Cheynne I am going to apply now will let you know on the post what goes on! Fingers crossed as credit rating is SHOCKING!! but I pay my bills on time all the time its just being young and stupid doing people favours in my name that never got paid xx how much did you borrow? xx

ohhhh no bless ya haha! Hopefully it shouldnt effect you as your paying your bills on time etc. I have a maxed out credit card and always in my overdraft and got accepted so i hope you do aswell! I borrowed £5000 over 3 years, think its only like 4% interest xx

My credit is shocking, I would dare even try asking for a loan cos if they put my name in there computer it would blow up lol, I’m not that bad now it was years ago when I was young and stupid xx

Not dare x

Hi, do you know how much interest you get with MYA finance and what their requirements are to apply for a loan/credit? like age wise, credit ratings? I have bad credit and tried so many companies but got declined either because of my ratings or not being at a certain age (25)or to be a home owner, etc. I hope there is a way to pay for my BA and have it soon without having to wait and save up for years xx

Tesco are very good at giving loans to people with not good credit scoring I lent 4,000 and only pay 500 Intrest back over two years xxxcc

Hey girls sorry only just had chance to write back! But I applied for Hitatchi on my dinner and got DECLINED! Was gutted, have a bad credit from the past which haunts me! My credit rating is horrific even though I pay my bills on time now. And Chloe my pc told me you had to work full time and not be bankrupt, you also need to have 3 months work of bank statements and be able to provide an employers reference when it comes to it. But they said your credit rating doesn’t matter as they don’t do credit checks!!! But you must have half of the money upfront and you have around 10 months to a year to pay off the remainder but its completely interest free. Just going to have to do that but a loan for the full amount would have been a lot easier! xxx
Thankyou Lucy I will give those a try now xxx

O no I only work part time as I was at university up until recently 🙁 is there a way where you can just save up for abit then try get a loan for the rest? I’d ask my parents to help me out but I would not dare as they don’t know that I still want it after changing my mind and they keep telling me I’m fine just the way I am xx

Credit rating doesn’t go on paying things on time etc, it goes more on what you lend and if you pay it back in time etc.. Tesco are meant to be good tho

Well my pc told me it was full time work but on the website if you go on the finance section it says that it’s as long as you work over 16 hours a week so probably! I hope so anyway fingers crossed for you you could perhaps email them on the contact us page. Xxxx

Vicky, thank you so much I will ask when I go for my consultation. Ps hope it’s okay for me to add you xx

Hey Hun I got declined for a loan and a credit card with the bank .. But got Ccepted straight away with mya finance iv taken it over 3 years and only needed 10% deposit .. If you have half the amount already you can pay that and then it’s interest free for 10 months or I think u can just pay as much deposit as long as it’s over 10% and then they would just work out the rest for how ever long u was to take out the finance for.. I might be wrong though. I only work part time and I’m self employed and still in my first year so I don’t have any proud of my income and I got accepted straight away 🙂 it didn’t even ask what my exact income was either it was in categories and mine was the lowest lol. I’d give it a try with the mya finance chicken if you got declined from others ..I’ll keep my fingers crossed for you xxx

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