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Need help applying for loan

  • 12-12-2006 7:03pm
    #1
    Cucullan
    Registered Users, Registered Users 2 Posts: 614 ✭✭✭


    I need €7000 to pay off a legal fee and I'm going applying for a loan in the next few days. I owe €5000 to the credit union too so I've asked both MBNA & GE Money for a €12000 loan already and both wouldn't give it. I have an excellent credit rating. I've been borrowing money for 9 years with no problems. I've got several car loans before no problem so i'm thinking i'm not getting this loan because its to pay off a legal fee. Should I say its for legal fee or can someone think of a differant reason I should tell them? If i got a car loan off a differant place do they have to get a reg number of the car I'd be buying? I could tell them i was going to pay cash for the car to get a better deal and haven't picked out a specific car yet.
    Where is a good place to look for a loan, can anyone recommend a bank?
    Any help appreciated as I've never had as much trouble getting a loan :confused:


Comments

  • #2
    sofireland
    Registered Users, Registered Users 2 Posts: 1,246 ✭✭✭sofireland


    Home improvements is a good bet generally if you're a homeowner
    though you won't get it off GE or MBNA now...

    Try your credit union they are normally quite sympathetic if you are a member and you explain! or just say its for a car!


  • #3
    stepbar
    Closed Accounts Posts: 6,123 ✭✭✭stepbar


    You might "think" you have an excellent credit rating, But TBH you would be better off going for a loan with the bank you deal with, they would have better details on how your current a/c has operated over the last yr and so would be able to make a more informed loan decision (based on ur out goings / incomings) without the need for necessarily going to the Irish Credit Bureau. It might be no harm contacting the Irish Credit Bureau and seeing what they have on your file.


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