Loan companies?

AAAthreat · 5 Jul 2010 at 17:55

Hey guys im looking for some advice on loans, a few days ago I tried to buy some parts from OC's and decided to use Hitachi Capital as finance and was declined.

I am unemployed at the moment and im assuming this is the reason even though it was a reasonably small loan. What im wondering can anyone recommend a decent finance company that do small loans?

Preferable one that does not involve filling out to many forums and I can do it online.

Thanx.

mollymoo · 5 Jul 2010 at 17:56

Whereabouts do you live?

Danthus · 5 Jul 2010 at 17:59

Is spending £330 of PC parts sensible when you are unemployed?

AAAthreat · 5 Jul 2010 at 18:00

mollymoo said:
Whereabouts do you live?

The UK mate.

sanaxe1 · 5 Jul 2010 at 18:02

The only loan companies that would touch you will have such a high APR that if you was to get one, you would be as stupid as someone taking out a loan for a pc when there unemployed... oh wait.

J86 · 5 Jul 2010 at 18:05

Your bank will loan the money no problem.

mollymoo · 5 Jul 2010 at 18:09

AAAthreat said:
The UK mate.

Just asking because there are companies round here that will lend you money at a low interest rate regardless of being un-employed.

Deadbeat · 5 Jul 2010 at 18:20

Benefit money is not for PC hardware :mad:

Sorry OcUK, I don't mean to hamper your sales, but you have a moral duty here.

Glaucus · 5 Jul 2010 at 18:38

AAAthreat said:
I am unemployed at the momentx.

facepalm.jpg

The Mad Rapper · 5 Jul 2010 at 19:32

Perhaps he deals drugs, steals money from old women and children or has some other form of income which he doesn't wish to declare? Being unemployed shouldn't mean he can't spend his illicit gains on PC hardware surely?

kylew · 5 Jul 2010 at 19:37

Deadbeat said:
Benefit money is not for PC hardware

Sorry OcUK, I don't mean to hamper your sales, but you have a moral duty here.

Why do you think they're trying to get a loan then? :confused:

LordSplodge · 5 Jul 2010 at 19:53

OldCoals said:
Is spending £330 of PC parts sensible when you are unemployed?

Indeed, especially seeing as they will be worth a lot less by the end of the loan.

How about the OP focuses on getting a job, saving some money and then buying some better parts later on...

[TW]Fox · 5 Jul 2010 at 20:00

The Mad Rapper said:
Perhaps he deals drugs, steals money from old women and children or has some other form of income which he doesn't wish to declare? Being unemployed shouldn't mean he can't spend his illicit gains on PC hardware surely?

No, but it should mean, and clearly does mean, you cannot borrow money from commercial finance companies when you have no legal income.

Why would anyone loan you money if you dont have the means to pay it back? Duh!

AAAthreat · 5 Jul 2010 at 20:17

Thanx for to the few ppl that posted with decent info.

To the rest if I want to spend my dole money on hookers and crack that's what ill spend it on plus ive worked hard since I left school for a long time in a factory doing shifts in a job most of you wouldn't last half a day in, so keep your opinions on what ppl should and shouldn't do with their dole money to yourself unless you know the facts.

[TW]Fox · 5 Jul 2010 at 20:18

We know the facts, they are that commercial finance institutions wont lend money to people with no income.

Danthus · 5 Jul 2010 at 20:19

[TW]Fox;16888070 said:
We know the facts, they are that commercial finance institutions wont lend money to people with no income.

And it would appear that the sensible advice has passed him by.

Dave M · 5 Jul 2010 at 20:22

Ocean Finance?

Seriously though, don't bother, they'll hurt you so bad on the interest rates it's not worth it. Sell something if you need a new PC so bad.

AAAthreat · 5 Jul 2010 at 20:25

Thank you man ive given up and I probably shouldn't have even started a thread on the subject since people get all up tight about things like this. If you could close this thread I would be grateful, thank you again.

Cyanide · 5 Jul 2010 at 20:27

Telescopi said:
Ocean Finance?

They only do homeowner stuff.

The only places op will get finance will be bottom of the bucket subprime lenders - most likely home collections.

Just save up for it

[TW]Fox · 5 Jul 2010 at 20:27

AAAthreat said:
Thank you man ive given up and I probably shouldn't have even started a thread on the subject since people get all up tight about things like this. If you could close this thread I would be grateful, thank you again.

Lost for words. Seriously.

'I dont have a job, why cant I get a loan'

Then you go off one one when people explain why? You are lucky we didnt all just post 'Well duh' to be honest!