Credit Union Loan advice needed

Davink89 · 2022-03-21 13:56:18

Hi everyone, just a quick question. My car has decided to completely die on me, has caught me offguard and need to get some cash to buy a new one asap. I am currently looking for full time work after the whole covid situation, but i am currently freelancing at the moment so making some money. Im going to create a credit…

21-03-2022 01:56PM

#1

Davink89

Registered Users, Registered Users 2 Posts: 6 ✭

Join Date: December 2021

Posts: 1

Hi everyone, just a quick question. My car has decided to completely die on me, has caught me offguard and need to get some cash to buy a new one asap. I am currently looking for full time work after the whole covid situation, but i am currently freelancing at the moment so making some money. Im going to create a credit union account this week in the hope that i can get a small car loan, however, im worried i wont be approved as I have a 500 euro overdraft with my bank that ive had since college. Would this be an issue in the eyes of the CU?

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#2 21-03-2022 02:01PM

Creamy Goodness

Registered Users, Registered Users 2 Posts: 26,452 ✭✭✭✭

Join Date: November 2001

Posts: 25581

Having an overdraft isn't an issue, constantly being in your overdraft will an issue. Best way to get an answer to this is to talk to the CU.

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#3 21-03-2022 02:14PM

Henry Ford III

Moderators, Business & Finance Moderators Posts: 18,189 Mod ✭✭✭✭

Join Date: January 2006

Posts: 17842

Yes ask the C.U.
Nobody else can tell how how they'll view that.

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