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Online Loan

N1cola

Does anyone have any experience with getting an online loan and if so which one was the best? I'm really stuck for money at the moment and dont know what else to do so it really is the rest resort. Any help at all is really apprieciated!

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Chuck Stone

Take the cow to market and do your best to fetch a good price for it.

DO NOT SWAP IT FOR 'MAGIC' BEANS AGAIN.

im invisible

I like your name, you dont happen to work in the Coke plant in Droughada, do you?

kneemos

Take the righteous path in your hour of greed for the trader of silver and gold will leave you in need.

Sebastian Dangerfield

Credit is gone extremely hard to get - the good old days of an online application followed by cash a few days later are gone. I think your only option is Provident or one of those payday loan companies (not sure which, if any operate in Ireland). Id advise against it due to the extortionate interest rates, but it all depends on how desperate you are

Arpa

I would steer clear of the online loans companies to be honest. The interest on the loans are ridiculous usually.

€500 borrowed = €720 repayment over 45 days

Don't know who you bank with normally but if you've been employed for six months or more and depending on your salary, you can get a loan from your bank for minimum €1500 paid back at your discretion (months - 2 years) or something like that.

If you're not employed then that's not an option. Maybe discuss an overdraft with your bank. If you're income is low, maybe you could get a family member to sign a loan with you so the bank are more likely to help you out.

Shop around basically, but try avoid those online loan companies.

*Disclaimer - I am not a financial advisor and just offering my opinion.

Canis Lupus

Turn some tricks. Easy money.

galwayrush

Avoid those bastards at all costs, insane interest rates and usually not very nice people.

CruelCoin

If you're desperate now, then a 2500% APR online loan is hardly going to improve your situation.

Stay away if you can at all help it.

RossFixxxed

I am actually a qualified financial advisor, however, this forum is NOT the place for asking about finance or anything similar. The following is NOT professional advice and should not be taken as such. You should speak to a professional face to face, and ensure they are qualified to help you. Anything posted on AH should be taken with a huge pinch of salt.

There's some general, common sense things:

Shop around, a lot.
Be sure you ABSOLUTELY NEED the loan, interest rates are not fun.
Go to MABS or other professional services and see what options are available.
Speak to your credit union.
Speak to a QFA (qualified financial advisor) face to face.

Do not rely on anonymous strangers (including me) for advice on serious issues like this.

monkeypants

Credit Union if you really need it. Reasonable interest rate and a lot quicker to approve than you'd think.

kneemos

monkeypants wrote: »

Credit Union if you really need it. Reasonable interest rate and a lot quicker to approve than you'd think.

He'll need an account and some sort of savings history for the CU.

Scruffles

got nothing to sell OP? stick sellable stuff on ebay?
eg, fully working games consoles,lcd/hd tvs,modern mobile phones,a alcohol avoiding housemates liver that sort of thing.

Richard Hillman

I had to get a loan from Provident earlier in the year to go towards college fees. Believe me, if people had a choice of a superior service, they'd take it. I wouldn't bother with my bank because im unemployed and am on back to education allowance and even if i had a credit union account id need a guarentuer for a first loan. Ive never actually needed a loan in my life bar the odd 20 quid as i never buy things i cant afford but the college fees were a necessity. When i need something i save for it. I saved the majority of student contribution charge but they were just too much for a man of means.

Its a shame that there is only one instant loans company in Ireland as there is no competition. A lot of people sound like Mitt Romney and his get a loan off your parents quote when it comes to instant loans.

monkeypants

kneemos wrote: »

He'll need an account and some sort of savings history for the CU.

True, but not that much. I had about nine months of savings history and they were willing to loan twice my savings. If the OP is going from a standing start...then the CU is not for them.

Aint Eazy Being Cheezy

I applied for an online loan last month. I simply paid a $250 clearing fee through western union, and i'm just waiting for the money to lodge in my account.

Customs did hold my funds a couple of times, but I've paid them too so Im all set, any day now.

I totally recommend my loan advisor guy, I don't remember his name but he shouldn't be too hard to find, he's very religious star trek fan as he says "may the force of god be with you" a lot, and his father is a deceased former high commissioner general of the army in Nigeria and also a doctor and an attorney