Same Day/Next Day Loans
Discussion
Due to my own financial imcompetence I am in a short term but rather urgent spot of bother. I am not, however, looking for a payday load or similar -
Does anyone know of any of these quick loan firms that offer monthly repayments? I'm looking to borrow £1100 and pay back over 12 months.
I've never had a credit card or anything to get a decent dredit rating so assume the repayments will be monstrous but the weight of the world is on my shoulders this week and I can easily afford the repayments on my usual wage (took time off unpaid to travel and it was (surprise!) more expensive than expected).
Thanks
CT
IrrElephant said:
Soovy said:
IrrElephant said:
You must be crackers. These companies are utter scum.
They are considerably less scummy than your dealer, who will break your legs if you don't pay.They provide a service for idiots.
The second part of your post is bang on.
Log Book Loans terms said:
Logbook Loans doesn't conduct credit checks on customers. We provide a genuine 'regulated and licensed lender of last resort' service which is available to the 10,000,000+ in the UK who are unable to obtain mainstream finance. We are a licensed and regulated lender, and but for the lawful and decent service we provide, customers would be forced into the arms of unregulated and unlawful money lenders, with serious and dangerous ramifications.
Fair enough!These guys seem pretty fair.
Only 278% APR......
http://www.flexcredit.co.uk/default.aspx?ref=g12_3...
Only 278% APR......
http://www.flexcredit.co.uk/default.aspx?ref=g12_3...
Apply for an MBNA credit card with 0% on balance transfers for 12 months, request a balance of c.£1,000
They allow you to transfer the cash to your account for a c. 3% fee (£30). You then pay no interest for 12 months, but you'll have to repay at least the minimum. Make sure you pay it back though else the APR kicks in, a single missed payment will VOID the 0%. I suggest setting up a Direct Debit to repay the minimum each month, then pay off whatever on top when your funds permit.
Ask yourself the question first though, do you NEED the money, or just WANT something? Credit Cards are dangerous in the hands of idiots. It's too easy to forget about debt which is on a card.
It won't be instant, you'd be looking at 2 weeks - But better in the longer term.
They allow you to transfer the cash to your account for a c. 3% fee (£30). You then pay no interest for 12 months, but you'll have to repay at least the minimum. Make sure you pay it back though else the APR kicks in, a single missed payment will VOID the 0%. I suggest setting up a Direct Debit to repay the minimum each month, then pay off whatever on top when your funds permit.
Ask yourself the question first though, do you NEED the money, or just WANT something? Credit Cards are dangerous in the hands of idiots. It's too easy to forget about debt which is on a card.
It won't be instant, you'd be looking at 2 weeks - But better in the longer term.
Edited by teddy87 on Tuesday 25th October 14:11
teddy87 said:
Apply for an MBNA credit card with 0% on balance transfers for 12 months, request a balance of c.£1,000
They allow you to transfer the cash to your account for a c. 3% fee (£30). You then pay no interest for 12 months.
Make sure you pay it back though else the APR kicks in.
Ask yourself the question first though, do you NEED the money, or just WANT something? Credit Cards are dangerous in the hands of idiots.
This month I earned £200 because of time off unpaid - I miscalculated when this short month would be and assumed I would get a full pay cheque (my own stupid fault). Don't have enough put by to pay for rent/contact lenses/phone bill (total £700).They allow you to transfer the cash to your account for a c. 3% fee (£30). You then pay no interest for 12 months.
Make sure you pay it back though else the APR kicks in.
Ask yourself the question first though, do you NEED the money, or just WANT something? Credit Cards are dangerous in the hands of idiots.
Next month I will be back on full pay again and can easily afford my usual outgoings + £100 repayment or whatever.
I am aware I will pay £100 interest over the year or something. It just seemed like a way out of a fix.
Mr Whippy said:
It won't be £100 over the year if you go with s
t stabber loans, it'll be much much more.
Can you not get an overdraft facility and then pay back as hard and as fast as possible to reduce any need to spend on interest?
Dave
Hilariously there's a banner ad on this page for Flex loans!t stabber loans, it'll be much much more.Can you not get an overdraft facility and then pay back as hard and as fast as possible to reduce any need to spend on interest?
Dave
Soovy said:
Mr Whippy said:
It won't be £100 over the year if you go with st stabber loans, it'll be much much more.
Can you not get an overdraft facility and then pay back as hard and as fast as possible to reduce any need to spend on interest?
Dave
Hilariously there's a banner ad on this page for Flex loans!t stabber loans, it'll be much much more.Can you not get an overdraft facility and then pay back as hard and as fast as possible to reduce any need to spend on interest?
Dave
teddy87 said:
Apply for an MBNA credit card with 0% on balance transfers for 12 months, request a balance of c.£1,000
They allow you to transfer the cash to your account for a c. 3% fee (£30). You then pay no interest for 12 months, but you'll have to repay at least the minimum. Make sure you pay it back though else the APR kicks in, a single missed payment will VOID the 0%. I suggest setting up a Direct Debit to repay the minimum each month, then pay off whatever on top when your funds permit.
Ask yourself the question first though, do you NEED the money, or just WANT something? Credit Cards are dangerous in the hands of idiots. It's too easy to forget about debt which is on a card.
It won't be instant, you'd be looking at 2 weeks - But better in the longer term.
I applied online but was not succesful... I'm 22, living with parents, earn 16k before tax, never had a credit card or loan before. Been employed for 4 years. No one wants to give me money They allow you to transfer the cash to your account for a c. 3% fee (£30). You then pay no interest for 12 months, but you'll have to repay at least the minimum. Make sure you pay it back though else the APR kicks in, a single missed payment will VOID the 0%. I suggest setting up a Direct Debit to repay the minimum each month, then pay off whatever on top when your funds permit.
Ask yourself the question first though, do you NEED the money, or just WANT something? Credit Cards are dangerous in the hands of idiots. It's too easy to forget about debt which is on a card.
It won't be instant, you'd be looking at 2 weeks - But better in the longer term.
Edited by teddy87 on Tuesday 25th October 14:11
.What about your bank, so long as your credit history is not too shocking they should give you an overdraft or a loan.
If they can't or won't help then a creit card is an option but if your credit rating is too bad for you bank to lend then you might have trouble.
Either way i would exhaust every other line of enquiry before I went to one of those payday loan type companies, whether it be a loan from family, friends, your employer or just selling something of value.
If they can't or won't help then a creit card is an option but if your credit rating is too bad for you bank to lend then you might have trouble.
Either way i would exhaust every other line of enquiry before I went to one of those payday loan type companies, whether it be a loan from family, friends, your employer or just selling something of value.
Log Book Loans terms said:
Logbook Loans doesn't conduct credit checks on customers. We provide a genuine 'regulated and licensed lender of last resort' service which is available to the 10,000,000+ in the UK who are unable to obtain mainstream finance. We are a licensed and regulated lender, and but for the lawful and decent service we provide, customers would be forced into the arms of unregulated and unlawful money lenders, with serious and dangerous ramifications.
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