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How do I get a loan when I'm not employed? Or a credit card?

(58 Posts)

MNHQ have commented on this thread.

TrinityRhino Tue 20-Aug-13 18:14:43

Please help me
I need to get hold of some money quickly
Is it at all possible?

TrinityRhino Tue 20-Aug-13 18:19:02

pretty please

AcrylicPlexiglass Tue 20-Aug-13 18:19:03

How much?
How will you pay it back if no job?
Do you have a local credit union?

TrinityRhino Tue 20-Aug-13 18:25:27

no idea what a local credit union is
I have child tax credit and child benefit
5k

GetStuffezd Tue 20-Aug-13 18:25:30

Have you tried Zopa? They're not a bank - it's individual people with money to lend to others. They look at your circumstances a bit differently from banks.

TrinityRhino Tue 20-Aug-13 18:33:27

thanks getstuffezd

TrinityRhino Tue 20-Aug-13 18:34:43

says you need to be employed

GetStuffezd Tue 20-Aug-13 18:36:40

Shit, sorry sad

GetStuffezd Tue 20-Aug-13 18:37:03

Anyone who could be a guarantor?

Can you get a crisis loan from social work? How much do you need - could you borrow from a friend? I'd always lend if a friend was desperate.

expatinscotland Tue 20-Aug-13 18:40:04

Do you own a home you can borrow against?

TrinityRhino Tue 20-Aug-13 18:40:33

I already owe one friend
other ones don't have that kind of money
neither does family

TrinityRhino Tue 20-Aug-13 18:40:53

you only get crisis loans if you have no food in the house

Without being nosy, what do you need it for? Eg if its for school meals, could you talk to the school?

Alanna1 Tue 20-Aug-13 18:43:26

Why do you need it? Could you fundraise for it? Go to your local Citizens Advice. Try a local credit union.

GetStuffezd Tue 20-Aug-13 18:44:34

You have to already be a saver with Credit Union before you can borrow, I think.

TrinityRhino Tue 20-Aug-13 18:44:40

council tax
garage bill
vet bill
friend I owe
headstone bill
mortgage

expatinscotland Tue 20-Aug-13 18:45:57

I'd bet on payment plans with them if I couldn't get a loan.

Onesleeptillwembley Tue 20-Aug-13 18:47:18

If you're already behind on household bills and owe money how will you pay this back? You could be digging a deeper hole for yourself.
I know it's an emotive subject, and I know nothing about it, but do you really need to buy a headstone now? Putting a roof over your children's heads is far more important.

amistillsexy Tue 20-Aug-13 18:48:10

Citizens advice should be able to help you to deal with creditors. Please stay away from 'payday loans' and such like. The interest charged will ensure yours borrowing from them for life just to keep up with the interest.
Please get professional help and advice, and tell your creditors you're doing so.

TrinityRhino Tue 20-Aug-13 18:48:30

headstone for my husband, I thought it had been paid
just got a bill this morning saying that it was first billed to me 2011

Have you checked that you're getting any benefits you're entitled to, if you're not working?

WeAreEternal Tue 20-Aug-13 18:50:35

Call the council, garage, vets, head stone makers, mortgage company and your friend.
Explain the situation and offer a realistic payment plan.

And get a job.

MissOtisRegretsMadam Tue 20-Aug-13 18:54:48

Is the vet bill for a pet that still alive? If so could you sell it? Or give it away to save money feeding it etc?

Could you sell your car to pay off something?

expatinscotland Tue 20-Aug-13 18:55:33

If it's mortgage arrears, it's got to that point, you really need to go to Consumer Credit Counseling or other charity offering free debt counselling. A look on MoneySavingExpert site will give you a list of free services. Do not pay for it!

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