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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