need a loan to pay my rent.

nessy382 · 23-07-2012 9:10pm #1

Hi, can anyone tell me where or i could go to get a loan to pay my rent.
need to get it before Thursday. cant get it off the bank because it will take too long. does anyone know any agencies that give short term loans to people on low income?
help would be greatly appreciated.

TheBody · 23-07-2012 9:14pm

Have you considered having a chat with your landlord/landlady? Maybe they will let you pay it a few weeks late. You could be in bigger debt if you go down the route of money lenders

nessy382 · 23-07-2012 9:18pm

TheBody wrote: »

Have you considered having a chat with your landlord/landlady? Maybe they will let you pay it a few weeks late. You could be in bigger debt if you go down the route of money lenders

I already tried to talk, but they don't want to know. if i don't get a loan to pay this i'l be out on the street. if anyone knows any money lenders out there to get a loan this week, i could pay them back weekly.

i71jskz5xu42pb · 23-07-2012 9:23pm

Have you thought about Welfare
http://www.welfare.ie/EN/Publications/swaqualify/Pages/swawilliqualify.aspx

nessy382 wrote: »

if i don't get a loan to pay this i'l be out on the street.

Talk to Threshold, I don't know the specifics but its highly unlikely that you can simply be turfed out on the street

Lawrence1895 · 23-07-2012 9:28pm

nessy382 wrote: »

I already tried to talk, but they don't want to know. if i don't get a loan to pay this i'l be out on the street. if anyone knows any money lenders out there to get a loan this week, i could pay them back weekly.

Seriously, don't go down that route, those people are just dangerous.

The Welfare Office would be my first point of entry, tbh

nessy382 · 23-07-2012 9:31pm

Lydia Uptight Joyrider wrote: »

Have you thought about Welfare
http://www.welfare.ie/EN/Publications/swaqualify/Pages/swawilliqualify.aspx

Talk to Threshold, I don't know the specifics but its highly unlikely that you can simply be turfed out on the street

I'm waiting on the Welfare to sort my rent out, but it could take another month so have to pay it in cash this month which I haven't got. So need to source a money lender asap.

ANXIOUS · 23-07-2012 9:32pm

nessy382 wrote: »

I'm waiting on the Welfare to sort my rent out, but it could take another month so have to pay it in cash this month which I haven't got. So need to source a money lender asap.

How much are you talking? Have you friends or family?

nessy382 · 23-07-2012 9:33pm

Lars1916 wrote: »

Seriously, don't go down that route, those people are just dangerous.

The Welfare Office would be my first point of entry, tbh

I'm waiting on my welfare to come through. My landlord won't wait and I need to have it this week, so basically i have no other choice but to get a loan. none of my family can help me out or anything so don't know what I am going to do.

nessy382 · 23-07-2012 9:33pm

ANXIOUS wrote: »

How much are you talking? Have you friends or family?

I need to get €750.00. my friends and family are all broke so no one can help me out.

phasers · 23-07-2012 9:38pm

OP I can reccommend Provident, my parents have used them in the past and it all seems on the level. They're fairly reasonable too (Not cost wise although I have seen worse, moreso that the people you deal with are actual humans) . http://www.providentpersonalcredit.ie/

I would strongly encourage you to avoid this route if at all possible though, their interest rates are a joke.

nessy382 · 23-07-2012 9:40pm

phasers wrote: »

OP I can reccommend Provident, my parents have used them in the past and it all seems on the level. They're fairly reasonable too. http://www.providentpersonalcredit.ie/

I would strongly encourage you to avoid this route if at all possible though, their interest rates are a joke.

I have applied to them and still waiting for an agent to get in contact with me. still no joy, looks like i will be out on my ear.

vicwatson · 23-07-2012 9:48pm

phasers wrote: »

OP I can reccommend Provident, my parents have used them in the past and it all seems on the level. They're fairly reasonable too (Not cost wise although I have seen worse, moreso that the people you deal with are actual humans) . http://www.providentpersonalcredit.ie/

I would strongly encourage you to avoid this route if at all possible though, their interest rates are a joke.

"fairly reasonable"?

From their website -

"Representative example:
€500 loan repayable over 52 weeks
52 weekly payments of €15.00
Rate of interest 56.0% p.a. fixed;
Representative 157.3% APR
Total Amount Payable is €780"

157.3% APR - Reasonable :eek::eek::eek::eek::eek::eek:

nessy382 · 23-07-2012 9:51pm

vicwatson wrote: »

"fairly reasonable"?

From their website -

"Representative example:
€500 loan repayable over 52 weeks
52 weekly payments of €15.00
Rate of interest 56.0% p.a. fixed;
Representative 157.3% APR
Total Amount Payable is €780"

157.3% APR - Reasonable :eek::eek::eek::eek::eek::eek:

i have been on to them trying to apply for a loan but still no joy as nobody has got on to me. and i know the apr is trough the roof but what can i do. I need to get the loan as no one else can give me one.

The Big Red Button · 23-07-2012 9:53pm

Go to your local Housing Authority as soon as possible and ask to speak to the CWO (Community Welfare Officer.) This person would be in a position to make one-off payments/loans in certain circumstances.

They would also be able to provide advice, information and support in relation to putting a long-term plan in place for you, so that you don't end up in this situation again.

kildare.17hmr · 23-07-2012 9:54pm

Dont go to a money lender! If your that stuck ring SVDP and they will help, you can repay them when your back on your feet. Thats what they are there for, best of luck

vandriver · 23-07-2012 9:56pm

vicwatson wrote: »

"fairly reasonable"?

From their website -

"Representative example:
€500 loan repayable over 52 weeks
52 weekly payments of €15.00
Rate of interest 56.0% p.a. fixed;
Representative 157.3% APR
Total Amount Payable is €780"

157.3% APR - Reasonable :eek::eek::eek::eek::eek::eek:

Check out the likes of wonga.com for a truly eye-popping APR.

nessy382 · 23-07-2012 9:56pm

chatterpillar wrote: »

Go to your local Housing Authority as soon as possible and ask to speak to the CWO (Community Welfare Officer.) This person would be in a position to make one-off payments/loans in certain circumstances.

They would also be able to provide advice, information and support in relation to putting a long-term plan in place for you, so that you don't end up in this situation again.

I already went to them and they said it can take up to 4 weeks to sort out. they cant help me out at the moment.

ScouseMouse · 23-07-2012 10:00pm

Can you pawn anything? Cash convertors style? Not nice but it may get you out of a hole?

nessy382 · 23-07-2012 10:01pm

kildare.17hmr wrote: »

Dont go to a money lender! If your that stuck ring SVDP and they will help, you can repay them when your back on your feet. Thats what they are there for, best of luck

i'v heard SVDP will give food vouchers. I don't think they will give you money to pay your rent, i need the rent this week i cant see them giving me €750.00. they give food vouchers to help you out that's all. i'l be back on my feet in a few weeks i just need a loan to pay this months rent.
does anyone know of any money lenders out there please.

nessy382 · 23-07-2012 10:03pm

superscouse wrote: »

Can you pawn anything? Cash convertors style? Not nice but it may get you out of a hole?

no i have nothing that would be worth that much. i would be left with nothing if i done that.

ScouseMouse · 23-07-2012 10:08pm

A car? Boyfriends car? Anything?

nessy382 · 23-07-2012 10:12pm

superscouse wrote: »

A car? Boyfriends car? Anything?

No haven't got one.

nessy382 · 23-07-2012 10:13pm

superscouse wrote: »

A car? Boyfriends car? Anything?

cash converters won't take a car off you.

ScouseMouse · 23-07-2012 10:20pm

Jewellery? Electrical gear?

Could the community welfare officer help you?

RossieMan · 23-07-2012 10:22pm

have you a job?

wages in advance maybe?

Surely you know someone who will give you some money, everyone has someone.

Your landlord won't through you straight out, you'll get atleast 2-3 weeks to pay it.

ANXIOUS · 23-07-2012 10:23pm

When are you getting paid?

nessy382 · 23-07-2012 10:29pm

ANXIOUS wrote: »

When are you getting paid?

i get paid every Friday but only get €250.00 a week at the minute. i'm living with my boyfriend but he got let go out of his job last month and wont be back in work for another few weeks. That's why I had to go to social welfare and all the other people and no one seems to be able to help me.

nessy382 · 23-07-2012 10:30pm

RossieMan wrote: »

have you a job?

wages in advance maybe?

Surely you know someone who will give you some money, everyone has someone.

Your landlord won't through you straight out, you'll get atleast 2-3 weeks to pay it.

yes i have a job but its low income its part time work and can't get a lend of anybody. believe me I tried.

nessy382 · 23-07-2012 10:31pm

superscouse wrote: »

Jewellery? Electrical gear?

Could the community welfare officer help you?

tried the community welfare officer and have to wait for another few weeks for the rent to be sorted. UNFORTUNATELY.

RossieMan · 23-07-2012 10:34pm

nessy382 wrote: »

yes i have a job but its low income its part time work and can't get a lend of anybody. believe me I tried.

OP, stop stressing, Your landlord won't let you go straight away, it would take him 2-3 months to have the house rented again, it wouldn't make sense to throw you straight out.

you'll have time to pay it, but you might need to cut out all non important purchases. i'd go for a bank loan, it will take time but if you show your landlord you're trying they'll surely understand.

I wish you the best of luck.

ScouseMouse · 23-07-2012 10:34pm

Have you ANY of the cash?

If so, whats the shortfall? How can you be so sure you will be sorted in a few weeks?

need a loan to pay my rent.

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