Would this work???????

If I was to apply for finance (AGIAN) was about 3 months ago that I did. Didn’t get accepted. …… Applied but went for the longer option so it’s paying back less a month. Do you think there would be more chance of me being accepted ?

I don’t know a lot about mya finance I got a bank loan, luckily I got accepted no problem but the lady who helped me said not to worry if I get refused straight away we can try again over more years. So try because I carnt see finance been that much different. Have you Tryed getting a loan? When I looked into mya finance the interest rates were like 19% x

hey @zarha not sure how true this is but I’ve been told if you apply for finance and get refused (this is for any company) it can affect your credit score so i wouldn’t keep on trying to apply for one unless your circumstances have changed and your credit score has improved. You can go to a website called Clearscore to check, as long as your score is on average or above on the rating you’ll be accepted. I know my friend was worried her credit score would be too low as she only has a phone contract in her name, so she got her mum to take out the finance for her and she just pays her the monthly payments. You could also apply for a loan? I’ve read some girls on here got refused for the mya finance but got accepted at there bank so maybe that could be an option for you? Plus like zoe said the interest is so much lower and you can get ones which are 12 months no interest. x

Hi, The first time I applied for credit with Mya I was refused too, my credit score wasn’t great as I was recently divorced and had gone back to my maiden name so had no credit records against it. Anna’s right, if you keep applying and getting refused it dose effect your credit rating. It you go onto the martin lewis money saving expert webite there is a section on credit cards and loans, you can do a search on here of all credit option available for low credit ratings and it will give you an estimation of if you will be accepted before you apply. Another option would be to make an appointment with you bank manager and they will go through options available with you. Failing this could you borrow the money from a relative? Or could they takeout the loan for you?
Not that im suggesting that you do this at all but when my credit was bad I took out a loan with Wonga and they paid it all back straight away on the first monthly payment (including about £10 interest) this boosted my credit rating. xx Its so frustrating when you know you want it done 🙁 xx

Thank you for all your replays. I didn’t have NO CREDIt what so ever my credit score ha shot up since been yousing credit card and paying it back in full. I just don’t understand why NO ONE will accept me. I work full time over 50hours a week. Can more than afford £190. A month to pay back. I just don’t understand why. @

@zarha Ino it’s so fustratinh when you work, can you not have it with a guarantor? I had to do it that way when I had a car in finance xx

I looked into ones with gurontor but if the person ain’t a home owner it makes it sooooooo much more to pay back. I don’t no what else to do now tbh. I’ve been trying for months to get my credit up witch I have. I’ve rang my bank. They did a soft search there’s nothing on there system saying I could apply for loan. The money is there in my account each month. I live with parents and only pay £100 month rent. After that and other expenses I still have £700-800 left! I just don’t understand.

@zoe

My boyfriend took the finance out for me and I just give him the money every month xx

I know that Experian credit score thing gives you a month free trial so you can sign up and find out your credit score and how to improve it on there xx

Save some cash over the next few months so you have a deposit to put down instead of borrowing the full amount? That might help. xx

I think I’m just gonna wait n save as much as I can. Experian says my score is good. N clear score is saying its shit lol

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