Whos best for a loan?

Discussion in 'Lounge' started by dave d, Oct 6, 2013.

  1. dave d

    dave d Elite Member

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    #1 dave d, Oct 6, 2013
  2. fez.57

    fez.57 Well-Known Member

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    You found a nice new bike dave ?
     
    #2 fez.57, Oct 6, 2013
  3. dave d

    dave d Elite Member

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    Found lots Biebs ......just paying for em that's the prob!
     
    #3 dave d, Oct 6, 2013
  4. fez.57

    fez.57 Well-Known Member

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    Can you not get finance at a good rate ?

    What bikes you looking at then
     
    #4 fez.57, Oct 6, 2013
  5. phantom

    phantom Active Member

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    I have used them for my wedding and for getting a car.
    no big interest fees and flexible repayments without any
    extra hidden costs.
     
    #5 phantom, Oct 6, 2013
  6. Carl

    Carl Well-Known Member

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    Don't just look at the APR many of these company's have a set up fee increasing your first payment and a final payment fee also? These additional amounts will not be applied to your APR which means that they may have an attractive rate the the total amount to be paid is higher than you first anticipate.
     
    #6 Carl, Oct 7, 2013
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  7. phantom

    phantom Active Member

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    yup true, zopa dont.
    they quoted me 1k interest and I didnt pay anything more
    than that.my next load off them I paid off early and I payed
    less interest and didnt have any fees for paying off early.
     
    #7 phantom, Oct 7, 2013
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  8. Freedom of choice

    Freedom of choice Elite Member

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    I am in the enviable position at my stage of life that I don't need to borrow money but when I did, I checked the small print, every little detail. big amounts like a mortgage etc, keep it moving, for the best interest rate and don't get sucked in with the headline rate, they are seldom what they seem. Same principle for smaller loans, and if you can't get 0% check you can finish the loan early without penalty. If your not sure, walk, there are other lenders and everything is negotiable.

    I feel very sorry for folk that get sucked into the ruck of payday loans at rates a loan shark would be proud to write business at.
     
    #8 Freedom of choice, Oct 7, 2013
  9. dave d

    dave d Elite Member

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    Looks pretty strajght forward maybe a trip to Millenium on Sunday see whats what!
     
    #9 dave d, Oct 7, 2013
  10. Givover

    Givover God Like

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    Make sure you don't have Breakfast if your heading to Millenium as the breakfast are spot on .good luck with your new bike dude I know you have been itching for ever on this lol.
     
    #10 Givover, Oct 7, 2013
  11. dave d

    dave d Elite Member

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    I said id wait till January but the wifes away in Tunisia so gimme me summat to do cant do any harm to go an av a butchers.......can it?
     
    #11 dave d, Oct 7, 2013
  12. phantom

    phantom Active Member

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    thats what happened when I went to look at a duke,
    didnt want to buyt one, but came home with one :s
     
    #12 phantom, Oct 7, 2013
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  13. mr.h

    mr.h Active Member

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    Me - how much do you need/want - how long do you want to pay it off - small print reads ' do you value your knees' 3.0% APR :eek::D
     
    #13 mr.h, Oct 7, 2013
  14. Dec

    Dec Active Member

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    Zopa seemed pretty good to me.
     
    #14 Dec, Oct 7, 2013
  15. Remal

    Remal It's ME
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    I would suggest going through a bank. I test rates are very low. I personally would rather use a place I know that one of these lesser known online lenders.


    Saying that I know nothing about them

    All the best with what every u get mate
     
    #15 Remal, Oct 8, 2013

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