bad credit history and no job were can i get a loan 4 xmas?

Answer 1

try the providential

Answer 2

Hi there,
Well the first thing I would say is that if you have no job at the moment then it is probably not the best time to try to take out a loan? This is even more the case if you have a poor credit history as this will mean that if you did manage to obtain a loan then it would no doubt be at a high APR.

The credit reporting information link below will offer some help in understanding how the credit rating system works.

http://myvesta.org.uk/media/video/creditreports/

Hope this helps!

Regards

Sean

Answer 3

Provident or Greenwoods, both the same companies, go for the vouchers, 200 quid will cost you tenner a week, over 25 weeks. regards Alan. Just read post wots says "get of your backside and get a job" Sender can't realise you will immediately lose your housing benefit, Jsa and all other benefits and if your new Job is paid monthly your screwed. You can't judge people, might be a single mum, recently divorced etc and wanting to give kids a good Xmas. Your kids always come first, no matter the later affects of debts. If you are in Debt and this applies to everyone reading this, your Local Council has a Debt counsellor, It's a free service, and they will send out i&e statments and liase with your debtors and stop the harassement.

Answer 4

With all due respect if you have bad credit and no job why would you want to get a loan 4 Christmas.

Christmas has become far to commercialised and people feel under a lot of unnecessary pressure to spend money they do not have on gifts.

Explain to your friends and family that money is a bit tight and you can not afford gifts this year.

Make a game of it. Who can get the funniest/most useless/most practical gift whilst spending no more than £1 on each gift. It will be fun and memorable.

I'm sure if you explain your situation most people will be supportive and understanding.

Answer 5

Try the income support team, they wont let you go over the top and will deduct payments from your benefits.If this is not appropriate try the provident but repayments are a bit steep.Join a credit union these are a fantastic way of getting yourself back on the financial track.In the meantime tell everyone ,quite unashamedly",Sorry Im broke this year" just do your best for any kids and sort yourself out reaady for next year.Goodluck

Answer 6

Don't get into worse debt - with your history and lack of job, no legitimate lender will lend you anything, the only way would be through a dodgy loan company where things will only get worse because of ridiculous interest rates. It's tough at this time of year, but explain to people that you just can't afford presents, but make them a list of things that you'll do for them instead -gardening, baby sitting and so on - people will understand.

Answer 7

There are loans out there for people out of work - I applied via OK Finance - Google them - and have received several offers, but although I am not working, I have a good credit history, and equity in my home to secure against if necessary.

If you have no income, how are you going to pay the loan back ?

Answer 8

If you have a bad credit history and no job, no respectable people are going to lend you money as you will not be able to repay. The only ones who will are the moneylender sharks who will make you pay it back several times over. Forget it.

Answer 9

With a low credit history and already being in the back of with the lease good judgment might say that the final element you prefer is a loan, you would be even worse off. yuletide is a Christian custom this is progressively extra transforming into meaningless. - apart from to the stability sheets of shops. extra human beings in the worldwide don't have yuletide than do. i recognize that your '3' will assume somewhat some pressies and additionally you do no longer prefer them to be upset. yet to make your financial issue even worse for the sake of a pair of days of party purely would not make any style of expertise. Be user-friendly inclusive of your toddlers and sit down them down and clarify that this year you in basic terms don't have the money for yuletide. sure, this is annoying, inspite of the undeniable fact that it is going to likely be much extra stable paying off the loan you seek for.

Answer 10

Get a job, there are loads of temp jobs for christmas. I worked once stacking the chocolate section at woolworths, and the next year packing the frozen veg section at asda.

Get off your backside.

Answer 11

Don't you think this is what ruined your credit in the first place?

To borrow money for Christmas is financially irresponsible. To borrow it when you don't have a job is downright stupid.

Instead of borrowing money, go get a seasonal job and use that money to buy gifts.

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