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Getting finance with no credit rating?

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  • 04-08-2012 7:09pm
    #1
    DylanII
    Closed Accounts Posts: 1,102 ✭✭✭


    Hi,
    I need a new laptop and I was thinking of getting the new MacBook pro for €2300

    Harvey Norman offer finance for it (Not the flexirent) http://www.harveynorman.ie/services/payment-options/quick-credit however I have no credit rating as far as I'm aware. The only credit I ever got was a €1500 bank overdraft and a littlewoods account. Which I paid back quickly.

    Neither of these will show up on my credit report as far as I know.

    So what I'm trying to find out is if they have strict criteria or will they accept me with no credit history. I'm a student but I also work (approx 750 per two weeks after tax).I have no other outgoings beside my phone bill, gym and mobile broadband.


Comments

  • Options
    #2
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,711 Mod ✭✭✭✭Henry Ford III


    Apply and see what happens.


  • Options
    #3
    Jaysoose
    Closed Accounts Posts: 3,212 ✭✭✭Jaysoose


    Not being funny but it looks like its 22% interest..you would pay harvey norman 700 blips over the term of the "loan".

    Do you really need the laptop that badly as thats effectively burning money.


  • Options
    #4
    DylanII
    Closed Accounts Posts: 1,102 ✭✭✭DylanII


    I have decided against doing that.


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    #5
    filmbuffboy
    Closed Accounts Posts: 894 ✭✭✭filmbuffboy


    if youre a student and want to build a credit report then apply for a student credit card.

    i could never get my hands on credit when i was working, despite a stable well paid job i had been workin in for years.

    as soon as i started college, and ironically was penniless, i was able to get my hands on a student credit card, and overdraft. go figure lol.


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