help please desprate here i need a company who will pritty much offer any 1 a loan so i can make smaller monthly payments?
2007-05-15 12:17:11 · 11 answers · asked by pepper 1 in Business & Finance ➔ Other - Business & Finance
Why don't you try finding out about a crisis loan from your local council?
Basically, go along to your local jobcenter (this is all if you're in the Uk of course) and ask them about information regarding the Discretionary Social Fund. This fund provides grants and interest free loans for needs that are difficult for people to meet out of their usual income
you'd need to fill in forms, and there is no guarantee of you getting anything, but if you are this desperate you may be able to give it a go.
Good luck. I really hope you can sort your finances out.
2007-05-15 12:29:26 · answer #1 · answered by laura_popple 3 · 0⤊ 0⤋
I'm certain that you must find all financial answer at: loandirectory.info-
RE Iv got bad credit no money and alot of bills to pay what loan company is easy?
help please desprate here i need a company who will pritty much offer any 1 a loan so i can make smaller monthly payments?
2014-09-24 14:10:01 · answer #2 · answered by Anonymous · 0⤊ 0⤋
For sure you need to get hold of your finances, understand your income and ougoings. Then make some tough decisions so that you can live within your income.
A consolidation of debt strategy is also a MUST. But to do this you first need to list all of your debts, the interest rates for each, and the monthly payments fror each.
Next take the total of your debts, and work out what you can afford to pay monthly based on your income.
Next you do a quick calculation, can you pay 1% of the total debt in repayments each month? (this is a very basic calculation that gives an idea as to whether there will be a solution).
If you can make 1% payments each month from your income, then you may get some help.
Finally, your bad credit history. Depedning on how bad this is it will affect the interest rates charged on your consolidated loan.
In closing, there may well be a solution but you need to have a one-to-one discussion with a financial expert. You may also find some help at a citizens advice bureau. If required I can give some more ifnormation that may help - please email me through Yahoo Answers if you would like this.
PS - avoid loan sharks, only borrow from major FSA approved financial lenders.
2007-05-17 22:38:19 · answer #3 · answered by Anonymous · 0⤊ 0⤋
The real world states that there are NO easy loan companies. The interest will kill your finances and after many years you will be deeper in debt.
Most large cities or counties have financial consultants who will work with you to make reduced payments. There is no charge since that is what you tax money does for you. But the best thing to do is stop spending on nothing you either cannot eat, wear or live in. Make a budget, the consultants will help, and LIVE by it.
2007-05-15 12:28:34 · answer #4 · answered by Natural Medicine Man 4 · 1⤊ 0⤋
It depends on the organisation offering the loan. It might be a scam, but it might be to insure themselves against you not paying the money back. I think you'd be better off paying 49 pounds to a debt counsellor or an accountant, or talking to citizens advice. Don't believe anyone who tells you they can consolidate your debts and you'll pay less every month. It's technically true, but only because you pay for a lot more months. If you didn't end up with more debt than you originally owed, the debt consolidators wouldn't make any money.
2016-04-01 03:02:26 · answer #5 · answered by Anonymous · 0⤊ 0⤋
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2014-09-25 05:05:30 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Don't worry still you can get loan. If you are homeowner then there are many lenders who help you to get bad credit loans but higher rate of interest.
2007-05-15 20:29:45 · answer #8 · answered by davin 1 · 0⤊ 0⤋
All loan companies are out to help themselves. It may sound silly but get in touch with your local citizens advice bureau (I take it you are in the uk?), they'll be able to advise you on your best options, honest!
2007-05-15 13:05:36 · answer #9 · answered by borogailybev 2 · 0⤊ 0⤋
Your question worries me. If you are in the UK please go and see somebody at the Citizen's Advice Bureau. (Access to their online advice guide below).They regularly give impartial advice on dealing with debt. It doesn't matter how you got into this situation, they will just be concerned with how to guide you back to solvency.
If you insist on not seeking advice, consider asking for a loan from www.zopa.com (social lending scheme)
2007-05-18 09:11:02 · answer #10 · answered by CountTheDays 6 · 0⤊ 0⤋