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Loans

  • 03-01-2011 11:28pm
    #1
    PopTarts
    Registered Users, Registered Users 2 Posts: 2,216 ✭✭✭


    Hi

    How long does it take usually for a loan to be approved from application?

    I guess it would have to be applied for in the bank and not over the phone?

    Also, is it possible to take one out for 6 months. The minimum seems to be 1 year...

    Are they easily approved now? My credit rating would be quite good, I did miss one Credit card payment, my own error, I had the money but forgot to pay on time.

    Thanks


Comments

  • #2
    Random
    Closed Accounts Posts: 19,080 ✭✭✭✭Random


    i've applied for loans at credit union counters, over the phone with banks and online. approval has varied from instant to 2 weeks.


  • #3
    PopTarts
    Registered Users, Registered Users 2 Posts: 2,216 ✭✭✭PopTarts


    Thanks.

    It's with TSB. It would be a lot easier if I could apply on the phone.

    I don't really live near my own branch now and while I know I could go into any branch and they'd send it on, it's just more time waiting on a decision.

    They refused me earlier last year an increase on my Credit Card because of missed payment.

    Would a similar decision happen with the loan. I heard somewhere that if you are refused a loan it shows up on any further applications or dealing with other lenders.


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