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Unemployed where to get a loan

  • 23-05-2011 11:18am
    #1
    crossmolinalad
    Registered Users, Registered Users 2 Posts: 837 ✭✭✭crossmolinalad


    Im unemployed at the moment but will get a job next month for a year
    For the job i need a car because work is on different places
    Need 800 euros for it
    Have the rest
    Tried my bank but they said no because u have no income
    How or where to get it otherwise im still unemployed next month


Comments

  • #2
    who the fug
    Registered Users, Registered Users 2 Posts: 4,041 ✭✭✭who the fug


    Could you not get a banger for the year and drive it into the ground.


  • #3
    crossmolinalad
    Registered Users, Registered Users 2 Posts: 837 ✭✭✭crossmolinalad


    Did look into that but i need a car i can trust
    because one week i have to work nearby another week maybe i have to go to the other side of the country with chances to go to the UK
    Not really like it to do with a banger
    Most of them those in my budget are out of nct a year or more
    Dont know what the costs will be to get them tested


  • #4
    Mr. Loverman
    Closed Accounts Posts: 4,001 ✭✭✭Mr. Loverman


    Normally you need to be employed for at least 6 months before you can get a loan. Depending on the loan you will probably need to be a permanent employee as well.

    I think your best (only) route is a family member or friend.


  • #5
    Sylas Kind Dart
    Posts: 0 CMod ✭✭✭✭ Sylas Kind Dart


    Buy a banger for a month or two then replace it when you have an income?


  • #6
    markc1184
    Registered Users, Registered Users 2 Posts: 3,087 ✭✭✭markc1184


    What about a Credit Union.


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  • #7
    hwfs.ie
    Registered Users, Registered Users 2 Posts: 25 ✭hwfs.ie


    You will find it hard to get a loan while unemployed. Have you looked at borrowing a car from a family member ? or hiring a car on a longer term basis until you get yourself sorted?

    oIf these aren't viable options then i would just buy a cheaper car, the price you see on some cars can be brought down with a bit of haggling.


  • #8
    enviro
    Registered Users, Registered Users 2 Posts: 1,292 ✭✭✭enviro


    You could start a thread in the motoring section, state your budget and your requirements... the folks over there will give you some suggestions.

    +1 on it being hard to get a loan without a job

    A guy I know couldn't get a motor loan and both himself and the wife work.

    I would recommend that you start saving in the credit union as soon as you start working. Be consistent and within 5 or 6 months you should be able to get a decent loan off them.

    Bank interest rate is much higher, credit union also allow you to alter payment amounts and to pay back early. So much more flexible than the banks.

    Good luck in the new job!


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