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Small loans? E.g €200

  • 08-06-2014 11:16am
    #1
    killanena
    Registered Users, Registered Users 2 Posts: 1,122 ✭✭✭


    I really need a small loan of €200 to cover rent this month. I have already asked family but things are hard on everyone at the moment. Is there any companies or banks that would do such a small loan? I know the credit union would but I am not a member of the local one just yet. I am not working but have a full time internship which is jobseekers rate + 50 euro.


Comments

  • #2
    Kenno90
    Registered Users, Registered Users 2 Posts: 3,184 ✭✭✭Kenno90


    Is there no one else, close friends that can help or ask the land lord to defer the €200 untill next month (Its worth a shot).

    Take my advice and DO NOT take out a Pay Day loan, they have insane APR rates and you could end up on a slippery slope with them.


  • #3
    killanena
    Registered Users, Registered Users 2 Posts: 1,122 ✭✭✭killanena


    Kenno90 wrote: »
    Is there no one else, close friends that can help or ask the land lord to defer the €200 untill next month (Its worth a shot).

    Take my advice and DO NOT take out a Pay Day loan, they have insane APR rates and you could end up on a slippery slope with them.

    I really have no one to turn too at the moment. I know how payday loans are, I got one before from Provident Personal Credit and even though nothing went wrong, I was paying interest for a few months after I had the amount borrowed paid. I borrowed €500, paying €15 a week for a total of 52 weeks worked out at €780

    I may have to return to them though.. or face my dick of a landlord with a chuck of my rent missing.. €200, pay back €10 a week for 26 weeks is €260.


  • #4
    Anyone
    Registered Users, Registered Users 2 Posts: 3,376 ✭✭✭Anyone


    killanena wrote: »
    I really have no one to turn too at the moment. I know how payday loans are, I got one before from Provident Personal Credit and even though nothing went wrong, I was paying interest for a few months after I had the amount borrowed paid. I borrowed €500, paying €15 a week for a total of 52 weeks worked out at €780

    I may have to return to them though.. or face my dick of a landlord with a chuck of my rent missing.. €200, pay back €10 a week for 26 weeks is €260.


    Nice profit on their money there, those two loans from a Credit Union would cost the following:

    €200 @ €10 p/w=Total paid back is €204.06.
    €500 @ €15 p/w=Total paid back is €517.01.

    Whatever you do to solve your current problem, when its done, go down and open a Credit Union account.


  • #5
    Kenno90
    Registered Users, Registered Users 2 Posts: 3,184 ✭✭✭Kenno90


    Completely agree, Once this is sorted out.

    Go down to the credit union and open an account.

    I feel for you dude :( , Money is tight for every one these days

    The upside to all this is that it is only '€200' not the €500 you've needed before.


  • #6
    killanena
    Registered Users, Registered Users 2 Posts: 1,122 ✭✭✭killanena


    Thanks guys for the replies. I know I really have to sort out a credit union account. And will do once this issue is addressed.
    I applied for the €200 just there and hopefully I'll get a call before the end of the week.


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