Loan/finance – poor credit

Hey girls. If you’ve been declined finance an cant afford to pay straight up, i highly recommend getting a loan with tesco. I applied online last thursday, they phoned me up an asked a couple of questions, sent me a form to sign an send back an today they’ve put £4000 in my account, i also have poor credit rating (not sure why i always pay on time) but just incase you’re confused on what to do and cant wait to save money i really do recommend them, i thought i would have been refused as i was by my own bank (natwest) im paying it off £142 a month for 3 years, looking forward to getting new baps!!!! Xxx

Wow that’s so good I got declined finance but I Darnt even try get a loan now because once you get declined doesn’t that make your credit rating worse each time you try ? Did you try getting the mya finance ? But it’s going to take me until sept to save ? So glad you made this post xxx

Hey charlotte! Weirdly enough my credit rating never changed an i applied in lots of places!! I didnt bother trying mya finance because ive seen so many girls get declined even with good credit rating. I would of had to save until october!! Xxxxx

Ohhhh thankyou I might ace to try that then , I think what declined it for me was there was a three month gap of no work and I don’t know if that has anything to do with it ? The apr isn’t bad with tesco either is it xxx

That could have been why chic, all together i have to pay back £5100 which i actually think is good considering ive never had a loan before an my credit rating is really poor i honestly thought i was going to be refused! Otherwise if it wasnt for tesco i would have had to have a garuntor an i really didnt want to get someone else involved. You can also choose to start paying for your loan 2 months after you’re given it. I chose to do that, i would have had to pay £138 a month but because i chose to start paying 2 months after (so i have the money now an will start paying back in april) theyve put it up to £142 which i think is pretty decent! You can only try, just see what they say xxxxx

Yeah I will give it a go , hopefully I’ll get it and that is so good !!! Can’t believe payments are so small and Apr , thankyou so much it’s really helped xxxxx

Omg so glad you posted this I have bad credit to my score is 549 do you think they will give me one? X

Tesco is usually quiet hard to get one with so be careful you think it doesn’t affect your credit rating but it takes a month for it to show on your rating x

Yh just tried and got declined ?

@laurenc123 heya so does it actually make your credit score worse ? , so when I applied for the finance and got declined it’s going to be even harder now , sorry it’s so confusing haha how do you check your credit score xxx

Go on noddle it’s a free credit check xx

@ellie2015 so to check my score it won’t effect it ? I’ll have a look now thankyou xx

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[Jennifer Dehner]

Hello! Thanks for sharing your experience. If you’re looking for a more convenient and faster option, consider checking out an app for payday loan. These apps are designed to provide quick financial assistance, especially for those with poor credit. With features like easy application processes and speedy approval, you might find them to be a helpful solution.
Apps for payday loans often streamline the borrowing experience, and you can explore various options to find one that suits your needs. Just make sure to review the terms, interest rates, and repayment options before making a decision. Wishing you all the best on your financial journey! 💸

• This reply was modified 11 months ago by Jennifer Dehner.

To be honest, I have absolutely no experience using lending services. But now I’m thinking about trying lending services.

Of course, people take out loans based on personal needs, and a bad credit history is sometimes not a hindrance at all. Exploring the advantages of peer-to-peer lending in a full article and you will understand that investing in loans can be quite profitable. In any case, before taking out a loan, I advise everyone to carefully study the loan terms and, of course, choose a reliable financial service.

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