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Looking for a small loan.

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  • 23-01-2013 2:07am
    #1
    closeline
    Closed Accounts Posts: 1,256 ✭✭✭


    Just looking for a loan of about 2000. Just wondering what are the requirments and where would the best places be to get them?


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    #2
    Huggles
    Registered Users Posts: 3,408 ✭✭✭Huggles


    Morning, The best place would be the bank you have a history with and really the only requirement is that you are able to pay it back. As the saying goes the bank will only give a loan to someone who doesn't really need it :)
    closeline wrote: »
    Just looking for a loan of about 2000. Just wondering what are the requirments and where would the best places be to get them?


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    #3
    closeline
    Closed Accounts Posts: 1,256 ✭✭✭closeline


    Huggles wrote: »
    Morning, The best place would be the bank you have a history with and really the only requirement is that you are able to pay it back. As the saying goes the bank will only give a loan to someone who doesn't really need it :)

    Not sure if they'd give me one though. I wouldn't have that much money in the bank and I wouldn't have that much coming in. how much would you need in the bank and how much money a month would you need to have coming in a month to get a loan?


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    #4
    Huggles
    Registered Users Posts: 3,408 ✭✭✭Huggles


    Enough that you can comfortable afford repayments. Have a look at the loan calculators on the banks to see what interest works out as.

    http://www.aib.ie/personal/loans/Personal-Loan
    closeline wrote: »
    Not sure if they'd give me one though. I wouldn't have that much money in the bank and I wouldn't have that much coming in. how much would you need in the bank and how much money a month would you need to have coming in a month to get a loan?


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    #5
    198321
    Closed Accounts Posts: 501 ✭✭✭198321


    closeline wrote: »
    Not sure if they'd give me one though. I wouldn't have that much money in the bank and I wouldn't have that much coming in. how much would you need in the bank and how much money a month would you need to have coming in a month to get a loan?

    My experience - I am getting 350-390 a week to my account for last 5 years (used to be only 300 for first 2 years), I have no debt at all and pay all my bills on time and I was refused 1500 euro loan from AIB and Ulster.

    I requested my credit history statement and it's blank so this might be a reason, so if you have had loan before your chances are higher.

    Also as far as I know (I could be wrong) with AIB you can repay loan early with no fees, so maybe you have higher chances if you apply for small weekly/monthly repayments and if you have spare cash you can add it there and it gets paid off quicker.


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