Help finace Q

Iv seen on here befor that if u Get together half of the money they will give u the op and rest on finance with out credit check I have bad credit for years ago and can not get a loan as only just picking up xxx

Yeah i heard that aswell i got declined for finance though so i kust opened a piggy bank with them x

Are you referring to the Mya loan where you put half down and pay the rest over 10 months with 0% interest?

If so, I believe the credit check companies do a more comprehensive check as the payments are much higher monthly than the 2 year interest bearing loan. From what I hear, the interest bearing loans are easier to obtain as the finance company gets more money back from you (20% interest!) xx

Hiya Katen, I’ve paid half the balance and paying the rest over ten months interest free…they still do a credit check unfortunately xo

Do any of u know if u can have someone else do the loan for u my partner has good credit and would do it for me

Yes u can get someone else to do it on behalf of you

That’s brill I best be extra nice till Friday as that’s when my appoint is 1st on 🙂 thanks girls

Hey guys – my PC has told me the following which I REALLY hope is true!! You apply for Mya finance, if you are declined you can then opt to apply through their interest free loan whereby you put down half the money yourself, provide proof of income, bank statements etc and if approved then they will loan you the remainder which must be paid back within 10 months. I think your application is only live for 30 days so don’t apply until you have half the cash if you think you’ll be declined. I think I will be as I lived in the channel islands but I have a good income so my PC thinks the option I just described will be ok. If anyone knows differently please let me know xx

I’m going to find out all options Friday my partners credit should be ok has 4 contact top end phones car insurance and good bank and good pay so hopefully that will do as I have the 500 if not il have to say and wait till November x

I was declined so got my husband to apply for mine! Xx

My PC told me that if you put down half the money and paid the rest over ten months it was around £200 a month, but if you got the finance its around £122 a month.. I hope that helps x

If you do get declined I would defiantly recommend a credit card, I’ve got one from the post office for mine and its great 1.2% with 5100 on the card so around £60 a month, which I can pay off early in big lump sums if I wanted to.. Its great!x

Ohhhh no really ??? Because my credit is horrific and I got declined for finance with 1000 upfront so my PC told me that once I’ve been declined I can apply for MYA finance where half is paid upfront and the rest is spread out over 10 monthly installments. I didn’t know they did a credit check though as I’m one wage away from the 2500!!!! Really don’t know what I’m gonna do now i had my heart set on it! Xxx

Huni if u havent had loands ccjs or anything like that in the last 3 years u might get finance someone i know applyed with pay4later and they havw really bad credit but because they had had anything in the last 3 years they got it x

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