Interest free finance

Hi Girls,
I am really new to this so hoping someone can help me?
I’ve wanted a breast enlargement for years and last year I had a consultation with Mr Tragnor, he was great however I got rejected from Mya Finance. I’m saving like mad but getting fed up of waiting and was wondering if anyone knows if you do the 10 month interest free plan and pay half the cost upfront whether they credit check?
Thanks, Hayley

Hi Hayley. Yes they do credit check you even on the 10 month interest free plan. Hope you get accepted! Xxx

Ok, thanks Sophie. So do I ? xx

Hiya! Hope you don’t mind me jumping on this post!! if you apply for say the 24 month finance and get rejected could you apply for a longer one and possibly get accepted?

Hi Abi,

No problem, yeah I am waiting until after Christmas to apply as I am still saving some money in the hope of dong the interest free payment and I wouldn’t be able to have the op until the new year anyway!

I will keep you updated closer to the time.
Fingers crossed

Hayley x

Abi, it’s unlikely you will be accepted for any of them if not accepted for one.. Everytime your rejected from a credit application it goes against your credit score so your best waiting 6-12 months before applying for any sort of credit again or it can really effect your score! In those 6-12 months it’s best to get an experian account and have a look at your score and there may be the answer to why your not being accepted for credit, example the electoral roll, amount of/ lack of credit accounts open etc. You can Call them for free advice if you have an account too!!

Another alternative is to maybe try a different finance option like a credit card or loan. If you go onto money super market you can do a check on what your likely to be accepted for.. It’s called a soft search so doesn’t show up on your score but great to get an idea before applying!

Really hope some of this info helps xxxx

Hey, although I have a almost perfect credit score (I checked mine on experian as someone mentioned above) I never get accepted for any of these finance plans because I’m self employed, and have only been self employed for a couple of years. However I got a bank loan for mine, it’s 9% interest but I’m paying it back over 5 years and can pay it off sooner if I want too to avoid too much interest. Obviously all payment plans are different too, so you might be able to get one with less interest, especially if you can pay it over a shorter time period. I was told if you haven’t had a loan before/don’t have the best rating then your bank is usually your best bet for accepting you. I hope this helps and good luck x

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