Loans

Hey

Has anyone taken out a loan to pay for their BA?? I have most of the money i need but im struggling to get the last bit.

x

I just got a loan and it was pretty easy, the best places to try are sainsburys and tesco :)

If you have a good credit rating you can try for a loan. Or a credit card.

I didnt think I had a good credit rating, nearly had a heart attack when I got accepted!

lol thanks, im so rubbish with loans n credit cards i just dont understand it all lol. i only know how to spend lol x

Most of the big companies offer some kind of credit scheme. I went with HMG and know that they offer a 0% loan (you have the option of paying a preportion of it up front if you prefer, so say 50% payment, 50% loan) but that is only if the agreed amount is paid within 12 months. If you do go down the loan option route read, read and re-read the paperwork. You'll lose the low interest rates if you miss a payment and the standard interest rates can be quite high (not too dis-similar from the way a store card works). If you know you can meet the monthly payments you'll be fine. One of the best pieces of advice I was given before my op was to make sure that from Day 1 I have some sort of contingency fund should anything go awry and I need a re-op. I think that credit is fine, providing you have the funds to pay it off should anything go wrong. If you can't get interest free with whoever does your op maybe look at 0% credit card for 12 months. If you need to extend it you could always then transfer the balance. Good luck! x

very good advice to keep additional savings in case of emergencies, ive set up a new savings account and trying to be responsible. i see it as ive been given this one chance now and i need to be careful

Not sure how relevant this is to you, but with some companies you can use a BMI card to cover the costs - really easy to apply for online and 0% interest for the first 6 months.x

I got the HMG 0% thing. I think the company (v12) is pretty strict (if you want to overpay they charge you three pounds!!

But if you have spare money I'd just put it into a savings account for 'just in case'

Or like someone else said, a 0% credit card, then you can transfer the balance after a year.

xx

yeh i was thinking of not using all my saving just incase for a raining day. i got my consultation with a surgon on tuesday so ill see what she says.
x