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Loan Needed!!

  • 01-04-2013 8:37pm
    #1
    June Bird
    Registered Users, Registered Users 2 Posts: 47 ✭


    Bascially looking for a personal loan of approx 30k. What banks are lending now, if any? Or maybe the credit union? What do they look for before they apporve this kind of finance? Thanks all in advance for any advice at all!


Comments

  • #2
    unclebill98
    Registered Users, Registered Users 2 Posts: 3,816 ✭✭✭unclebill98


    All banks are lending as long as you meet their criteria.

    Now a days you should have no arrears on any loans/CC. No unpaids on your account or 1-3 max. Some savings. And at least 40-60%(varies from bank to bank) of your wage left over after you pay all your bills including the new loan.


  • #3
    June Bird
    Registered Users, Registered Users 2 Posts: 47 ✭June Bird


    Thanks for the info do you know what would the repayments be like on a 30k loan?


  • #4
    Scortho
    Closed Accounts Posts: 3,876 ✭✭✭Scortho


    Around 630 a month for 60 months with aib on 30 k.


  • #5
    MidlandsM
    Banned (with Prison Access) Posts: 5,737 ✭✭✭MidlandsM


    https://www.permanenttsb.ie/legacycalcs/motor-calculator.asp?action=calc&make=&model=&NEW=&CC=&Mileage=&Year=&Currency=1#repay


  • #6
    June Bird
    Registered Users, Registered Users 2 Posts: 47 ✭June Bird


    Thanks! So hard to get to banks during normal working hours for info etc!


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  • #7
    unclebill98
    Registered Users, Registered Users 2 Posts: 3,816 ✭✭✭unclebill98


    June Bird wrote: »
    Thanks! So hard to get to banks during normal working hours for info etc!

    :confused:

    All the banks have websites with loan calculators to tell you how much it will cost and most have the little "Apply now" button so you never have to set foot in a branch.


  • #8
    Etnies
    Registered Users, Registered Users 2 Posts: 1,151 ✭✭✭Etnies


    unclebill98 wrote: »
    :confused:

    All the banks have websites with loan calculators to tell you how much it will cost and most have the little "Apply now" button so you never have to set foot in a branch.

    Ulster bank dont have an online application system anymore FYI.


  • #9
    unclebill98
    Registered Users, Registered Users 2 Posts: 3,816 ✭✭✭unclebill98


    Etnies wrote: »
    Ulster bank dont have an online application system anymore FYI.

    Can be done via the telephone.


  • #10
    UrbanFret
    Registered Users, Registered Users 2 Posts: 2,063 ✭✭✭UrbanFret


    Etnies wrote: »
    Ulster bank dont do loans anymore FYI.
    Fixed!


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