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Author loans
DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
20th Feb 04 at 11:59   View User's Profile U2U Member Reply With Quote
just looked at a £1000 loan, repayable over 2 years at 48 quid a month, at the end of it iv paid 1152 is that pretty good cos i fort it was
M2RTY
Member
Registered: 25th May 01
User status: Offline
20th Feb 04 at 11:59   View User's Profile U2U Member Reply With Quote
did u calculate the repayments as APR figures are missleading?
DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
20th Feb 04 at 12:01   View User's Profile U2U Member Reply With Quote
na it was calculated for me on their website
M2RTY
Member
Registered: 25th May 01
User status: Offline
20th Feb 04 at 12:01   View User's Profile U2U Member Reply With Quote
HSBC site.......(my bank, crap for loans tho i think)

Quote summary

Based on your request, here is your personal loan quotation, including the cost of your Personal Loan Protection Plan:

Loan amount: £ 1000.00
Term: 24 months
Initial repayment: £ 56.02
Subsequent monthly repayments: £ 56.09
Total amount repayable: £ 1346.09
APR: 17.8 %
Flat rate: 9.039 %



thats a few hundred more
DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
20th Feb 04 at 12:02   View User's Profile U2U Member Reply With Quote
Loan details:

Loan amount:
£1000

Term (months):
24

APR:
14.9%


Monthly repayment:

Optional loan protection including interest:
£0.00

Loan including interest:
£48.02

Total monthly repayment:
£48.02


Total repayment:

Optional loan protection (cash price):
£0.00

Total interest:
£152.48

Total amount payable:
£1,152.48
DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
20th Feb 04 at 12:02   View User's Profile U2U Member Reply With Quote
im with hsbc and i agree they r shite for loans the one above is lloyds tsb
Gambit
Member
Registered: 5th Jun 00
Location: Common Sense HQ
User status: Offline
20th Feb 04 at 12:04   View User's Profile U2U Member Reply With Quote
0% credit card is cheaper option
M2RTY
Member
Registered: 25th May 01
User status: Offline
20th Feb 04 at 12:07   View User's Profile U2U Member Reply With Quote
or getting a student (interest free) overdraft like me
--DAN--
Member
Registered: 3rd Feb 03
Location: Bottesford. Drives;3 Series
User status: Offline
20th Feb 04 at 12:10   View User's Profile U2U Member Reply With Quote
Northern Rock are OK for loans, but I would also suggest the Credit Card option.
DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
20th Feb 04 at 12:12   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Gambit
0% credit card is cheaper option


but im not gona be able to pay the grand over the 6months intrest free
Gambit
Member
Registered: 5th Jun 00
Location: Common Sense HQ
User status: Offline
20th Feb 04 at 12:22   View User's Profile U2U Member Reply With Quote
you can get 9mths interest free from halifax and there APR afterwards is only 9.9%
Greg_M
Member
Registered: 2nd Sep 03
Location: Grantham, Lincolnshire
User status: Offline
20th Feb 04 at 12:36   View User's Profile U2U Member Reply With Quote
or you open a credit card, put the £1000 on it, then open a capital1 caqrd, and transfere it onto there, you get 0% till the transfer is cleared.
Pablo
Member
Registered: 3rd Feb 03
Location: Milton Keynes
User status: Offline
20th Feb 04 at 12:36   View User's Profile U2U Member Reply With Quote
I have a loan, i wish i never took it out
M2RTY
Member
Registered: 25th May 01
User status: Offline
20th Feb 04 at 12:42   View User's Profile U2U Member Reply With Quote
something i will never do - especially for just a car
Pablo
Member
Registered: 3rd Feb 03
Location: Milton Keynes
User status: Offline
20th Feb 04 at 12:43   View User's Profile U2U Member Reply With Quote
Yesh I learnt hard way
Gambit
Member
Registered: 5th Jun 00
Location: Common Sense HQ
User status: Offline
20th Feb 04 at 12:45   View User's Profile U2U Member Reply With Quote
i have a flexible loan which is even worse!!

i pay off £150 a month but can withdraw funds from the loan when i need it

needless to say its still at the 4k i started with!!
NeilsC
Member
Registered: 6th Dec 00
Location: Middlesex drivin a Puma Racing on FRS 18's
User status: Offline
20th Feb 04 at 13:06   View User's Profile U2U Member Reply With Quote
www.egg.com are good
Ian W
Member
Registered: 8th Nov 03
Location: Wirral, Merseyside
User status: Offline
20th Feb 04 at 13:13   View User's Profile U2U Member Reply With Quote
Got one myself for £1500 just before x-mas, doing my head in now, want it paid off.

Just save up, its much better

Ian
Mark Petty
Member
Registered: 26th Jul 01
Location: Bournemouth Drives: Suzuki gsf600
User status: Offline
20th Feb 04 at 13:20   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Gambit
0% credit card is cheaper option


Agree mate, for that amount of money get 0% credit card for 6 months or 9. I f you haven't paid it by then transfer the amount to another
Tam the diesel man
Member
Registered: 31st Jul 01
Location: Portsmouth
User status: Offline
20th Feb 04 at 13:22   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by M2RV H
or getting a student (interest free) overdraft like me


best option if you can scam one. most interest free upto 1.5k
MULLER2
Member
Registered: 3rd Jun 02
Location: LONDON
User status: Offline
20th Feb 04 at 14:05   View User's Profile U2U Member Reply With Quote
cahoot loans have really good APR's - take a look
Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
20th Feb 04 at 14:11   View User's Profile U2U Member Reply With Quote
Don't get into that shit, i'm telling you you'll regret it.
Gambit
Member
Registered: 5th Jun 00
Location: Common Sense HQ
User status: Offline
20th Feb 04 at 14:22   View User's Profile U2U Member Reply With Quote
aye its a cahoot loan i have, its a fukin disaster!
Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
20th Feb 04 at 14:23   View User's Profile U2U Member Reply With Quote
HSBC & TESCO both poo even tho say it's got a good interest rate, tis all bollox
Nismo
Member
Registered: 12th Sep 02
User status: Offline
20th Feb 04 at 14:28   View User's Profile U2U Member Reply With Quote
Try egg there really good.

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