need a loan to pay my rent.

nessy382

Hi, can anyone tell me where or i could go to get a loan to pay my rent.
need to get it before Thursday. cant get it off the bank because it will take too long. does anyone know any agencies that give short term loans to people on low income?
help would be greatly appreciated.

TheBody

Have you considered having a chat with your landlord/landlady? Maybe they will let you pay it a few weeks late. You could be in bigger debt if you go down the route of money lenders

nessy382

TheBody wrote: »

Have you considered having a chat with your landlord/landlady? Maybe they will let you pay it a few weeks late. You could be in bigger debt if you go down the route of money lenders

I already tried to talk, but they don't want to know. if i don't get a loan to pay this i'l be out on the street. if anyone knows any money lenders out there to get a loan this week, i could pay them back weekly.

i71jskz5xu42pb

Have you thought about Welfare
http://www.welfare.ie/EN/Publications/swaqualify/Pages/swawilliqualify.aspx

nessy382 wrote: »

if i don't get a loan to pay this i'l be out on the street.

Talk to Threshold, I don't know the specifics but its highly unlikely that you can simply be turfed out on the street

Lawrence1895

nessy382 wrote: »

I already tried to talk, but they don't want to know. if i don't get a loan to pay this i'l be out on the street. if anyone knows any money lenders out there to get a loan this week, i could pay them back weekly.

Seriously, don't go down that route, those people are just dangerous.

The Welfare Office would be my first point of entry, tbh

nessy382

Lydia Uptight Joyrider wrote: »

Have you thought about Welfare
http://www.welfare.ie/EN/Publications/swaqualify/Pages/swawilliqualify.aspx


Talk to Threshold, I don't know the specifics but its highly unlikely that you can simply be turfed out on the street

I'm waiting on the Welfare to sort my rent out, but it could take another month so have to pay it in cash this month which I haven't got. So need to source a money lender asap.

ANXIOUS

nessy382 wrote: »

I'm waiting on the Welfare to sort my rent out, but it could take another month so have to pay it in cash this month which I haven't got. So need to source a money lender asap.

How much are you talking? Have you friends or family?

nessy382

Lars1916 wrote: »

Seriously, don't go down that route, those people are just dangerous.

The Welfare Office would be my first point of entry, tbh

I'm waiting on my welfare to come through. My landlord won't wait and I need to have it this week, so basically i have no other choice but to get a loan. none of my family can help me out or anything so don't know what I am going to do.

nessy382

ANXIOUS wrote: »

How much are you talking? Have you friends or family?

I need to get €750.00. my friends and family are all broke so no one can help me out.

phasers

OP I can reccommend Provident, my parents have used them in the past and it all seems on the level. They're fairly reasonable too (Not cost wise although I have seen worse, moreso that the people you deal with are actual humans) . http://www.providentpersonalcredit.ie/


I would strongly encourage you to avoid this route if at all possible though, their interest rates are a joke.

nessy382

phasers wrote: »

OP I can reccommend Provident, my parents have used them in the past and it all seems on the level. They're fairly reasonable too. http://www.providentpersonalcredit.ie/


I would strongly encourage you to avoid this route if at all possible though, their interest rates are a joke.

I have applied to them and still waiting for an agent to get in contact with me. still no joy, looks like i will be out on my ear.

vicwatson

phasers wrote: »

OP I can reccommend Provident, my parents have used them in the past and it all seems on the level. They're fairly reasonable too (Not cost wise although I have seen worse, moreso that the people you deal with are actual humans) . http://www.providentpersonalcredit.ie/


I would strongly encourage you to avoid this route if at all possible though, their interest rates are a joke.

"fairly reasonable"?

From their website -

"Representative example:
€500 loan repayable over 52 weeks
52 weekly payments of €15.00
Rate of interest 56.0% p.a. fixed;
Representative 157.3% APR
Total Amount Payable is €780"


157.3% APR - Reasonable :eek::eek::eek::eek::eek::eek:

nessy382

vicwatson wrote: »

"fairly reasonable"?

From their website -

"Representative example:
€500 loan repayable over 52 weeks
52 weekly payments of €15.00
Rate of interest 56.0% p.a. fixed;
Representative 157.3% APR
Total Amount Payable is €780"


157.3% APR - Reasonable :eek::eek::eek::eek::eek::eek:

i have been on to them trying to apply for a loan but still no joy as nobody has got on to me. and i know the apr is trough the roof but what can i do. I need to get the loan as no one else can give me one.

The Big Red Button

Go to your local Housing Authority as soon as possible and ask to speak to the CWO (Community Welfare Officer.) This person would be in a position to make one-off payments/loans in certain circumstances.

They would also be able to provide advice, information and support in relation to putting a long-term plan in place for you, so that you don't end up in this situation again.

kildare.17hmr

Dont go to a money lender! If your that stuck ring SVDP and they will help, you can repay them when your back on your feet. Thats what they are there for, best of luck

vandriver

vicwatson wrote: »

"fairly reasonable"?

From their website -

"Representative example:
€500 loan repayable over 52 weeks
52 weekly payments of €15.00
Rate of interest 56.0% p.a. fixed;
Representative 157.3% APR
Total Amount Payable is €780"


157.3% APR - Reasonable :eek::eek::eek::eek::eek::eek:

Check out the likes of wonga.com for a truly eye-popping APR.

nessy382

chatterpillar wrote: »

Go to your local Housing Authority as soon as possible and ask to speak to the CWO (Community Welfare Officer.) This person would be in a position to make one-off payments/loans in certain circumstances.

They would also be able to provide advice, information and support in relation to putting a long-term plan in place for you, so that you don't end up in this situation again.

I already went to them and they said it can take up to 4 weeks to sort out. they cant help me out at the moment.

ScouseMouse

Can you pawn anything? Cash convertors style? Not nice but it may get you out of a hole?

nessy382

kildare.17hmr wrote: »

Dont go to a money lender! If your that stuck ring SVDP and they will help, you can repay them when your back on your feet. Thats what they are there for, best of luck

i'v heard SVDP will give food vouchers. I don't think they will give you money to pay your rent, i need the rent this week i cant see them giving me €750.00. they give food vouchers to help you out that's all. i'l be back on my feet in a few weeks i just need a loan to pay this months rent.
does anyone know of any money lenders out there please.

nessy382

superscouse wrote: »

Can you pawn anything? Cash convertors style? Not nice but it may get you out of a hole?

no i have nothing that would be worth that much. i would be left with nothing if i done that.

ScouseMouse

A car? Boyfriends car? Anything?

nessy382

superscouse wrote: »

A car? Boyfriends car? Anything?

No haven't got one.

nessy382

superscouse wrote: »

A car? Boyfriends car? Anything?

cash converters won't take a car off you.

ScouseMouse

Jewellery? Electrical gear?

Could the community welfare officer help you?

RossieMan

have you a job?

wages in advance maybe?

Surely you know someone who will give you some money, everyone has someone.

Your landlord won't through you straight out, you'll get atleast 2-3 weeks to pay it.

ANXIOUS

When are you getting paid?

nessy382

ANXIOUS wrote: »

When are you getting paid?

i get paid every Friday but only get €250.00 a week at the minute. i'm living with my boyfriend but he got let go out of his job last month and wont be back in work for another few weeks. That's why I had to go to social welfare and all the other people and no one seems to be able to help me.

nessy382

RossieMan wrote: »

have you a job?

wages in advance maybe?

Surely you know someone who will give you some money, everyone has someone.

Your landlord won't through you straight out, you'll get atleast 2-3 weeks to pay it.

yes i have a job but its low income its part time work and can't get a lend of anybody. believe me I tried.

nessy382

superscouse wrote: »

Jewellery? Electrical gear?

Could the community welfare officer help you?

tried the community welfare officer and have to wait for another few weeks for the rent to be sorted. UNFORTUNATELY.

RossieMan

nessy382 wrote: »

yes i have a job but its low income its part time work and can't get a lend of anybody. believe me I tried.

OP, stop stressing, Your landlord won't let you go straight away, it would take him 2-3 months to have the house rented again, it wouldn't make sense to throw you straight out.

you'll have time to pay it, but you might need to cut out all non important purchases. i'd go for a bank loan, it will take time but if you show your landlord you're trying they'll surely understand.

I wish you the best of luck.

ScouseMouse

Have you ANY of the cash?

If so, whats the shortfall? How can you be so sure you will be sorted in a few weeks?

nessy382

superscouse wrote: »

Have you ANY of the cash?

If so, whats the shortfall? How can you be so sure you will be sorted in a few weeks?

i'l have 250 that's it and then won't have anything to live off.
I know i will be sorted in a couple of weeks cause i will have rent allowance sorted then and my boyfriend will be getting a few small jobs. He's a painter and decorator and things are just a bit slack at the minute

nessy382

RossieMan wrote: »

OP, stop stressing, Your landlord won't let you go straight away, it would take him 2-3 months to have the house rented again, it wouldn't make sense to throw you straight out.

you'll have time to pay it, but you might need to cut out all non important purchases. i'd go for a bank loan, it will take time but if you show your landlord you're trying they'll surely understand.

I wish you the best of luck.

he would rent this house out within in a week for a fact. i cant get a bank loan i already tried because my income is so low they won't entertain me.
Im only in the house 2 months and don't want to start out on the wrong foot with the landlord. he told me from day 1 if i miss a months rent i'm out.

January

Well I've news for you OP the landlord can't just turf you out. When you are one day late with the rent he can issue a notice that you have to pay within 14 days. If you don't pay after those 14 days he has to give you notice of termination of contract. If he just turfs you out he could be in real trouble with the PRTB.

Go to the St. Vincent De Paul, they don't just give food vouchers. DO NOT GO TO A MONEY LENDER.

Also, go to your local CWO and tell them you won't be leaving until you get confirmation that they'll pay your rent allowance. Ask to speak to their supervisor. If your rent allowance is controlled by the Central Rents Unit (I know parts of Dublin 15 are controlled by this) then ring them until they sort it for you. They are open between 10am-12pm Mon-Fri and you can get the number from the CWO.

therewillbe

nessy382 wrote: »

he would rent this house out within in a week for a fact. i cant get a bank loan i already tried because my income is so low they won't entertain me.
Im only in the house 2 months and don't want to start out on the wrong foot with the landlord. he told me from day 1 if i miss a months rent i'm out.

And to think that this sort of thing was in the past! All I will say is,Stay away from the money lenders.PERIOD. If you have any Gold etc ,Pawn it for the short term.Get anything you dont need up here on adverts,Who knows. I can only imagine the stress you are under.Hope you get sorted.

A Disgrace

Back to the CWO, they really are your best option. I would plead the case, and plead some more - if you're in a genuine situation, they WILL sort you out.

As a previous poster said, explain to the landlord that you might be late this time around. He can't legally throw you out without giving notice, even if you haven't paid (afaik) but make an excuse anyway (say you're with Ulster Bank for example) and hopefully things change in the meantime.

nessy382

January wrote: »

Well I've news for you OP the landlord can't just turf you out. When you are one day late with the rent he can issue a notice that you have to pay within 14 days. If you don't pay after those 14 days he has to give you notice of termination of contract. If he just turfs you out he could be in real trouble with the PRTB.

Go to the St. Vincent De Paul, they don't just give food vouchers. DO NOT GO TO A MONEY LENDER.

Also, go to your local CWO and tell them you won't be leaving until you get confirmation that they'll pay your rent allowance. Ask to speak to their supervisor. If your rent allowance is controlled by the Central Rents Unit (I know parts of Dublin 15 are controlled by this) then ring them until they sort it for you. They are open between 10am-12pm Mon-Fri and you can get the number from the CWO.

This landlord will throw me out an he won't care and i wouldn't be able to go to anyone about this cause he is a bit of a gangster i don't want to get on the wrong side of him that's why i just want to get his rent and don't want to be out on the street.
I will ring the st. vincent de paul in morning and see can they do anything for me.

nessy382

therewillbe wrote: »

And to think that this sort of thing was in the past! All I will say is,Stay away from the money lenders.PERIOD. If you have any Gold etc ,Pawn it for the short term.Get anything you dont need up here on adverts,Who knows. I can only imagine the stress you are under.Hope you get sorted.

I have no gold or nothing like that i am barely able to live at the minute. this is not a thing in the past this is happening a lot of people i know at the minute. i'v tried all the routes i just have to go to a money lender there is nothing i can do it will only be a 1 off.

John Mason

your landlord cannot throw you out of the house. FACT



go to citizen advice/threshold/CWO anyone bar the money lender

nessy382

A Disgrace wrote: »

Back to the CWO, they really are your best option. I would plead the case, and plead some more - if you're in a genuine situation, they WILL sort you out.

As a previous poster said, explain to the landlord that you might be late this time around. He can't legally throw you out without giving notice, even if you haven't paid (afaik) but make an excuse anyway (say you're with Ulster Bank for example) and hopefully things change in the meantime.

is that thing still going on with ulster bank? if it is i suppose i could say something like that. but it just would be a whole lot easier if i could get a lend of the money of someone and pay this guy. just in case nothing else sorts out for me.

Aka Ishur

Hold on, just to be clear. You're making 250 a week and your rent is 750 a month?

nessy382

Aka Ishur wrote: »

Hold on, just to be clear. You're making 250 a week and your rent is 750 a month?

ye i live with my bf to and he was working but now on the dole as not getting any work. so we are waiting for rent allowance to be sorted.

kildare.17hmr

I know 2 people who had rent paid one month by SVDP. They do give vouchers but will pay your rent if you are seriously stuck. No harm in asking amd you wont be stuck oweing a money lender

January

nessy382 wrote: »

This landlord will throw me out an he won't care and i wouldn't be able to go to anyone about this cause he is a bit of a gangster i don't want to get on the wrong side of him that's why i just want to get his rent and don't want to be out on the street.
I will ring the st. vincent de paul in morning and see can they do anything for me.

He'll be no sort of gangster when you contact the PRTB if he does throw you out. Seriously OP don't be a coward. If he throws you out follow the proper channels and take a case against him.

nessy382

kildare.17hmr wrote: »

I know 2 people who had rent paid one month by SVDP. They do give vouchers but will pay your rent if you are seriously stuck. No harm in asking amd you wont be stuck oweing a money lender

ok i will try them. did they defo help out people with rent problems? had the couple got kids?

nessy382

January wrote: »

He'll be no sort of gangster when you contact the PRTB if he does throw you out. Seriously OP don't be a coward. If he throws you out follow the proper channels and take a case against him.

ok but that would be my last resort, I would prefer just to pay the guy.

twowheelsonly

Last year you were on looking for the price of a boob job, earlier in the year you were looking to get your car panels resprayed and now you can't afford your rent.
Have you already sold your car?
Move back home or in with relatives if things are that bad or house share with a few others.

kildare.17hmr

nessy382 wrote: »

ok i will try them. did they defo help out people with rent problems? had the couple got kids?

one was my 19 year old brother in law, gave him €700 for his rent and the other was a mate and his girlfriend who had the gas cut iff so paid that out of the rent money and then were short half. Boyh got cash from a little oul one who came round to the house and afaik both paid it back eventually. One was in wicklow and one south kildare

nessy382

twowheelsonly wrote: »

Last year you were on looking for the price of a boob job, earlier in the year you were looking to get your car panels resprayed and now you can't afford your rent.
Have you already sold your car?
Move back home or in with relatives if things are that bad or house share with a few others.

excuse me, ya last year i was working in a good job and so was my boyfriend, both of us had good money then things have taking a turn for the worst and i don't see what any of my recent posts have to do with this.
I'm looking for someone to help me out here, not to put me down and have a go at me.
THINGS CHANGE TWOHEELSONLY!

nessy382

kildare.17hmr wrote: »

one was my 19 year old brother in law, gave him €700 for his rent and the other was a mate and his girlfriend who had the gas cut iff so paid that out of the rent money and then were short half. Boyh got cash from a little oul one who came round to the house and afaik both paid it back eventually. One was in wicklow and one south kildare

ok i will try them tomorrow. thanks for all the genuine help kildare

twowheelsonly

nessy382 wrote: »

excuse me, ya last year i was working in a good job and so was my boyfriend, both of us had good money then things have taking a turn for the worst and i don't see what any of my recent posts have to do with this.
I'm looking for someone to help me out here, not to put me down and have a go at me.
THINGS CHANGE TWOHEELSONLY!

I know as well as anyone, and better than most, that things change.
Believe it or not I wasn't trying to put you down or have a go at you. You say that last year you were better off, that's fair enough, but you only moved into the house 2 months ago according to an earlier post.
For the time being cut your cloth to measure. Swallow your pride and move back with relatives if you can or house share with somebody. You're looking at borrowing money that you can't afford and it sounds to me like you'll try anyone or anywhere. That's a recipe for disaster.
What happens if the RA hasn't been processed by this time next month? There's absolutely zero guarantee that it will.
As far as I can see your options are to negotiate with the landlord (who is more than likely also under pressure BTW) or to move out. Borrowing in your current situation is financial suicide IMO.
You're young, (I'm guessing) and you'll bounce back. Just be practical.