Loans | Mk6 Fiesta ST General Discussion | Ford Fiesta ST

Ford Fiesta ST

You are not logged in. [Log In] Ford Fiesta ST » Forums » Fiesta ST 2005-09 » Mk6 Fiesta ST General Discussion » Loans

Topic Options

Rate This Topic

#7795 - 04/03/05 11:36 AM Loans
Sarah n00b Registered: 02/03/05 Posts: 27 Loc: East Yorks	I guess most of you have loans, who do recommend to use???! i only want it 2 pay my KA off! need about £3000/4000 loan! I'm with Natwest bank! TAAAA! _________________________ Slimmiessss - Fresh Prince of Bell Air
Top

#7796 - 04/03/05 12:38 PM Re: Loans [Re: Sarah]
stuart84 Fiesta Nutter Registered: 11/10/04 Posts: 1123 Loc: Berkshire	When I was looking a while back to get a loan i found that the best place was Nationwide BS. The bigger banks advertise lower rates but they are only for people who want to borrow over 10K over at least 4 years. Nationwide do an APR rate of 6.7% standard for however much u want to borrow and also dont charge you for paying of the loan early if you ever find yourself in the position to do so. I'd advise you to have a good look round and dont be pushed into anything by someone trying to make the banks figures look good. At the end of the day its your choice and there is plenty of it.
Top

#7797 - 04/03/05 02:57 PM Re: Loans [Re: stuart84]
supercharged Fiesta Fan Registered: 24/05/04 Posts: 214 Loc: Nuneaton, Warwickshire	Just recieved my loan from Tesco Personal Finance, must say very impressed with the speed and service quality i recieved, also have a low apr rate, think mine was 6.5%
Top

#7798 - 04/03/05 03:21 PM Re: Loans [Re: supercharged]
Sarah n00b Registered: 02/03/05 Posts: 27 Loc: East Yorks	awwww, you lot are so helpful lol :P _________________________ Slimmiessss - Fresh Prince of Bell Air
Top

#7799 - 04/03/05 03:53 PM Re: Loans [Re: Sarah]
Hugh Registered: 27/02/04 Posts: 1620 Loc: Warks	Your best bet is to look here: http://www.moneysupermarket.com/LoansP/PersonalLoansAssessment.asp Here you can very quickly compare the various loan companies and clearly see what the cost of the loan will be so you can try various combinations. It is important when you get a loan though to consider you financial record - any black marks against your name and you will either find it tricky or more expensive to borrow money. Always keep an eye on the loan percentage rate when finally applying and also remember that for every application you make a credit check is made on you. The more credit checks done the lower your rating gets (credit checks are recorded). Good luck!
Top

#7800 - 04/03/05 06:34 PM Re: Loans [Re: Hugh]
chrisST Fiesta Addict Registered: 15/11/04 Posts: 969 Loc: Gloucestershire	I work for Lloyds Bank so i'm getting the staff rate of 6.4%, not particularily special but its not too bad (if I was a customer I would be offered 7.9% APR). Chris _________________________
Top

#7801 - 04/03/05 06:46 PM Re: Loans [Re: chrisST]
JimDut Fiesta Mad Registered: 16/03/04 Posts: 291 Loc: Stoke-on-Trent	check out Alliance and Leicester... very very good fixed rates... they were the best when i was looking, most other companies have met thier rates now I think _________________________ WWW.FIESTASTOC.COM The Fiesta ST Owners Club View My Fiesta ST here!
Top

#7802 - 04/03/05 08:24 PM Re: Loans [Re: JimDut]
N13KY Fiesta Nutter Registered: 04/06/04 Posts: 1576 Loc: Derby Bird	I'll second Tesco Finance, Excellent service and reputation _________________________
Top

#7803 - 04/03/05 08:53 PM Re: Loans [Re: JimDut]
chrisST Fiesta Addict Registered: 15/11/04 Posts: 969 Loc: Gloucestershire	Quote: check out Alliance and Leicester... very very good fixed rates... they were the best when i was looking, most other companies have met their rates now I think Watch out for Alliance & Leicester! Their loans work by you paying the whole expected interest off first BEFORE you start to pay back the money you actually borrowed. This means that if you want to early settle you still pay the whole amount of interest for the term of the loan! Phew!...spoken like a true banker! Chris _________________________
Top

#7804 - 04/03/05 10:53 PM Re: Loans [Re: chrisST]
supercharged Fiesta Fan Registered: 24/05/04 Posts: 214 Loc: Nuneaton, Warwickshire	Also to get the good rates for an Alliance & Leicester loan you need to be a premier plus account holder, and over 21, else you get a lesser interest rate!!!
Top

#7805 - 04/03/05 11:05 PM Re: Loans [Re: supercharged]
Sarah n00b Registered: 02/03/05 Posts: 27 Loc: East Yorks	thanks guys, i shud be able to pay off my KA fairly soon! n then il think about getting a test drive in the ST! my insurance is only 1160 n thats with my dad as an additional driver aswell! so that aint tooo bad :P _________________________ Slimmiessss - Fresh Prince of Bell Air
Top

#7806 - 08/03/05 01:39 PM Re: Loans [Re: chrisST]
Parksey Fiesta Nutter Registered: 23/02/05 Posts: 1061 Loc: Winchester	Quote: Watch out for Alliance & Leicester! Their loans work by you paying the whole expected interest off first BEFORE you start to pay back the money you actually borrowed. This means that if you want to early settle you still pay the whole amount of interest for the term of the loan! Phew!...spoken like a true banker! Chris Err, isn't this how all personal loans work? If you want to repay it early then they will rebate you for the interest that you would've paid over the entire term i.e. if you settle a 3 year loan after 2 years, then you get a rebate on the interest you would pay in the 3rd year. No bank is entitled to charge you interest over a period where you're not actually borrowing any money... _________________________ Official www.fordfiestast.co.uk Penguin Ball Champion 2005!
Top

#7807 - 08/03/05 08:00 PM Re: Loans [Re: supercharged]
alexb Fiesta Fan Registered: 27/01/05 Posts: 114 Loc: Oxford and East Sussex	Quote: Also to get the good rates for an Alliance & Leicester loan you need to be a premier plus account holder, and over 21, else you get a lesser interest rate!!! I spoke to a woman from A+L at the weekend and she said that to get the benefits of the low interest rate whilst only being 20, I can get my parents to open a joint account with me, as apparently only one of the joint holders have to be over 21. Gets me a nice 5.9% loan.
Top

#7808 - 08/03/05 08:36 PM Re: Loans [Re: alexb]
Jonesy Fiesta Nutter Registered: 01/03/05 Posts: 1088 Loc: west london, heathrow	happyhunting sarah good luck _________________________ Bring It If You Think You Are Fast Enough
Top

View All Topics

Hop to:

Moderator: Duncan_P, kenny, Kev

Search

0 registered (), 642 Guests and 0 Spiders online.

Key: Admin, Global Mod, Mod

Shout Box

Featured Member

Hartmann846

Hartmann846

Registered: 11/06/26
Posts: 4

Today's Birthdays

No Birthdays

Newest Members

Zoe Fiesta, Chunzliu, dangyc, Calvin, degobaj55
8606 Registered Users

Top Posters (30 Days)

ChrisCumbria	12
Hartmann846	4
Chunzliu	3

Top Posters

ROB IS THE STIG	50824
ChrisCumbria	23932
Scotty	18100
Adam08	15118
Alex_H	15061
kenny	11807
YellowBadge	11640
steviehouse	11614
babyboom	11557
Micky	11552

June
M	Tu	W	Th	F	Sa	Su
1	2	3	4	5	6	7
8	9	10	11	12	13	14
15	16	17	18	19	20	21
22	23	24	25	26	27	28
29	30

Forum Stats

8607 Members
50 Forums
32288 Topics
561545 Posts

Max Online: 14753 @ 28/02/26 08:23 AM