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An Post Loans

  • 18-01-2024 3:20pm
    #1
    windandrain97
    Users Awaiting Email Confirmation Posts: 3 ✭


    Hi guys, I'm sorry if I've posted this in the wrong place, I'm new to boards.

    I'm 26 years old, and unfortunately due to a bad bout of mental health I'm on disability allowance at the moment. I need a new car, as mine has unfortunately went kaput and I need a loan in order to buy it. I previously had a loan and paid it off without issue even when I was out of work.


    My question is, on the An Post loan webpage, it states that they cannot accept joint applications but that I can add the income of another household member, with their consent to my application. I have tried googling and I even emailed An Post but they could not answer my query... Could I add a parents income (pensioner) to the application and does anyone know if it's likely to be approved?

    You see, it asks for household monthly income, so I have added my weekly disability allowance amount and one of my parents pension amounts, and it on the eligibility check it says "Looks good" but I know that is only based on the amount of money, and not how the money is attained.

    In short, has anybody been in this position and done this before, as I would like to save myself the embarrassment of asking for a loan only to be laughed out of the building if it's likely to be declined. I've been through enough lately without further mental anguish.


    Thank you all so much in advance and I promise, I'll get back working soon, but I need a car to do so as I live in the sticks.

    Post edited by Spear on


Comments

  • #2
    Madd002
    Registered Users, Registered Users 2 Posts: 362 ✭✭Madd002


    https://www.boards.ie/discussion/2058332018/an-post-loans

    No pension amount won't work, joint would be like a guarantor. Personally if I were you it would be to go to the credit union as its based on working for the people in communities not like your commercial banks. The interest reduces as your loan balance reduces and repayments are what are you can afford based on your income.



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