Lines open evenings & weekends 0800 0 14 10 14
Does anyone know if you have to pay over 10 or 12 months or is it possible to pay it over a smaller amount of time? I was thinking just split what i borrow in half and pay it my 2 pay days after.. would that be possible??
Just thinking how I could get it done sooner cos dont have full amount saved yet!
Also does anyone know what criteria is 2 b accepted xxxxxx
I think you can set up any payment schedule. I think the interest free thing is with repayments over 12 months or less basis. You can pay it over 12 months.
They have a new loan company now since beginning of October. Where the Apr is less and you can pay over 4 years with 2 years interest free. I know that's not what you asked but it's worth knowing 
As for the criteria, I think you just have to be in work with a steady income and have a good credit rating. Maybe check your credit rating with your back first before you apply. Nothing wise than going through it all and finding you can't have it!. Your PC should be able to give you an answer straight away as she'll fill in the firm for you over the phone instead of the other loan people who needed a phone book of papers! Lol. They are also more accepting than the other company! My partner is paying for mine :)) so not 100% sure of full criteria! Sorry xx
Hi, I'm with the new credit company and paying over 2 years interest free. I paid 1 thousand deposit. Hope this helps x 
Iyya there new finance is called v12 and its interest free over 1 or 2 years then interest bearing over 3 or 4 years. You are allowed to make over payments so you can pay back sooner than originally agreed. You have to put down a min deposit of £500. You need to work atleast 16 hours per week. Xxx
I was declined by V12 and I went on that experian thing and i have a fair credit rating so I am a little stumped as to why this may be?
mm i dont understand credit ratings - my rating is xcellent and i work full time but i applied for a credit card and got declined because they record the no. of searches on ur credit file n id just switched my phone company and got a store card so they thought i was desperate for credit! So im just gonna keep my fingers crossed they accept me 
Hmm that is weird do you earn a fair amount nd work 16 hours a week? I was turned down by a lot of people because I had like a non-existent credit rating really but I was accepted by v12. But I work about 40 hours a week and earn a fair amount of money xx
yeah i work 40hrs a week aswell and earn fair money, is v12 the loan for 4 years or the max 12 months one?
im hoping to get the max 12months one as dont really wanna pay interest & want to get it paid off xxx
V12 are SHIT !! jus like any other loan company, and when they decline u, they dnt allow u the option of a guarantor. X
im nervous - gonna talk to my pc on monday n see if i get accepted or declined - wish me luck girls! xxxxxx
staceyanne i agree, they r shit. i had paid £3350 but was just short on the reminding £500. Tried to get a loan but was turned so i asked if my partner could be my guarantor and was told it could only be family members.
V12 ARE AHITT!!! had the worse luck ever. Im Looking into Tesco Loans as they are meant to be good xxx
I was turned down by tesco but v12 accpeted me no problem. Its weird I'm not sure why some of us are accpeted and some declined when we seem to be in the same posistion. I was quite happy with v12. Also its 0% interest with v12 if you decide to pay back over 12 or 24months and you have the option of making overpayments so you can pay back sooner if you want xx
thats good hun that yours went ok. I literally was devastated when I got declined. Strange how it seems to be so different for everyone xx
I know I'm sorry it didn't work out for you chick. I don't understand it either coz when I speak to the people who have been declined they seem to be in a similar posistion to me. I really hope it works out for you hun xx
You must log in to post.