How did everyone pay for their BA?

Hey girls I know this can be a personal question for some people but just wondering how everyone paid for their surgery? Im stuck between just waiting even longer and saving or taking up finance or a loan (which seems better than myas apr) ??
Even though I earn and okay wage, I usually get £1800 a month and can be more jf I work more weekends/nights etc. I don’t think finance is an option as my credit score isn’t good. Im not sure why it isn’t as I have direct debits such as phone bill, gym etc all of which Ive paid on time for a few years now. I also pay my car finance every month which I have never missed a payment on.
I do have a credit card which I use time to time e.g. I booked a weekend away for me and my friend to using it but on the 28th when I get paid I will be paying that off. So I never have an outstanding balance for long.
Just think a loan may be a better option for me so I can have them done sooner. I started researching properly on this forum in March and don’t feel like I can wait until I save.
Whats all your girls experiences of using finance/loans/paying the balance in full.

Thanks xx

credit card i used 22 months 0% with barclays xxx

It could be down to your age because I had same problem a few years ago when I first started looking. I have just been paying off large amount out of my salary up to the payment date and then I have some savings which I will borrow from. Then pay the rest of the monthly payments back into my savings in which I borrowed the last bit from. I could have sworn MYA ( if that’s who you are going with) do 1 year interest free. So split the final cost over 1 year but I think you have to have like £1,000 deposit or something! That may be worth looking into…

I’m only 22 and got accepted for 0% interest free credit card so paid the majority on that 🙂 also if you’re paying with an interest free card you have to pay at least 2 weeks earlier than your op date over the phone otherwise they won’t accept payment I had to move my date my a week 🙁 xxx

I just put £60 a week away, plus Christmas/Birthday moneys as I don’t want any loans or credit cards.

I wanted to pay for it in full, with my savings, so I don’t have any stress in the future with saving for future things and worrying about bills and etc.

@jessy6067 im exactly the same position as you! im not sure whether to take out a loan the thought of it is terrifying me! ive asked everyone i knows advice and all i keep getting told is to save up for it but i dont want to! i think what im going to do is save up £2000 (im halfway there now) and then get the £3000 as a loan from sainsburys bank if i get accepted as their interest is low. I think whatever you do deffo avoid getting the finance through MYA if you can as its quite high interest xx

I went for the 0% 10 month finance plan, I’ve just got £1500 tax back from when I worked in Australia so I can easily pay off the deposit, my finance application got declined 🙁 but I did it through my boyfriend’s name so now I’m just going to pay him back monthly x

I’d just try the finance 🙂 you will be fine!
I paid £500 deposit via debit card. £2500 debit card (thanks to my lovely boyfriend) and then out the remaining £2000 on my new asda interest free (plus cash back) credit card 🙂 xx

My better half paid for mine ? I was gonna get finance but I’m recently self employed so can’t prove my earnings I was gutted and he was a love and got them for me xx

I got declined on finance with MYA, i was so depressed because my credit rating isn’t good enough, however my boyfriend decided to apply for it and got accepted, so it’s in his name I’m just going to set up a direct debit so each month it will go into his account so it won’t even affect him other than give him good credit. I paid £1000 upfront, and i am paying £117 a month for 4 years xx

I paid £1,000 out of savings then took a £4000 loan out. I pay £122 or something a month for 3 years. And the interest was only something like £320. 🙂 xx

I would never go with MYA finance their apr is ridiculous there are definitely better places to get a loan 🙂

halifax are doing a 36 month 0% card x

I paid £2,500 upfront and paying the other £2,500 on finance over 10 months 0% interest £210 a month xx

I just saved up, I earn less than you a month and I just put a couple hundred side each month. Better than being in debt for ages 🙂

I paid in full. I didn’t like the idea of having an operation on finance! x

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