| The Pub Talk about anything not relating to cars or Commodores in general. |
14-05-2008, 05:39 PM
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Ride: vs calais eco
Join Date: Sep 2006
Location: Disney land!
Posts: 902
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Finance Dramas:(
Sorry all for the gripe but, i cannot seem to get finance anywhere  ! i have a reasonable paying job ($600 a week take home) with no credit defaults, and i cannot get a loan for a packet of chips! I get knocked back every time because i rent and am married with 2 kids! Does anyone else have this problem??
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14-05-2008, 06:05 PM
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Penguin Whisperer
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Ride: VN Commodore Wagon S1
Join Date: May 2006
Posts: 288
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Where are you trying to get finance from as some of them just run details through a computer and if you don't score enough points they don't even bother checking your credit history and the like
I know some places like Dell don't like to finance low risk borrowers as they earn far more from their high risk borrower interest rates (something like 15% compared to 27%) even if they have a good credit history
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If ignorance is bliss why aren't there more happy people around ?
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14-05-2008, 06:13 PM
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Sir Awesomness Silverness
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Ride: VZ Acclaim and SX6 Adventra
Join Date: Jun 2005
Location: Sydney
Posts: 453
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yes, I had a similar struggle. I had to go with a local credit union (luckily tho I had been a member for 6 years prior) and that was because the manager took time to sit down with me and go through every single option. It took some sweet talking but it worked.
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[JCCC NSW]
"Commodore Drivers Are Born ... Not Made"
"Theres one car that says Holden more then any other ... Commodore.
And if it rolls of the production line with a Holden badge on it, you can be assured it goes like a Holden should!"
Holden Commodore Go better
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14-05-2008, 06:14 PM
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WTF?!?!
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Ride: VS Acclaim V6
Join Date: May 2005
Posts: 1,524
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I hate when people refuse you. GRRRRR!!
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14-05-2008, 06:21 PM
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gone 4 a while
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Ride: Blown VT Calais 355 + AU XR6
Join Date: Mar 2004
Location: Hawkesbury, NSW
Posts: 1,452
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Does your missus work? If you are bringing home $600 a week and have 3 dependants to support and pay rent you are just too big a risk for them. If you seriously need this loan and your missus doesn't work maybe its worth her looking at getting at least a part time job then you will only have 2 dependants and a dual income and you'll have no trouble. That or get yourself a huge raise lol
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14-05-2008, 06:21 PM
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Alt F4 - to Refresh
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Ride: VR S1 S Pack, VX S2 Acclaim Wagoon
Join Date: Apr 2005
Location: The Marsh, Vic
Posts: 171
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Quote:
Originally Posted by cxcxcxvcvcvc
Sorry all for the gripe but, i cannot seem to get finance anywhere ! i have a reasonable paying job ($600 a week take home) with no credit defaults, and i cannot get a loan for a packet of chips! I get knocked back every time because i rent and am married with 2 kids! Does anyone else have this problem?? |
That sucks, how much are you trying to borrow? if you don't mind me asking.
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Quote:
Homer Simpson -
Speed Limits are just a Suggestion.... Like Pants!!
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14-05-2008, 06:24 PM
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CRAVEN MOORHEAD
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Ride: VS executive s2
Join Date: Oct 2007
Location: Campbelltown nsw
Posts: 36
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Just be carefull as loan sharks are ready to make you very poor. No idea how much you needed but a few grand cant be a problem....can it ??
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14-05-2008, 06:25 PM
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the Noob
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Ride: vns2
Join Date: Oct 2003
Location: Brisbane
Posts: 2,255
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welcome to my world, it's getting harder to get finance these days
im on 1.5k plus a week after tax, i cant get it becuase my wife is at uni and i have a daughter at school. chin up champ, good things come to those that wait.
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attn parents
all unatended children will be given a shot of caffine, promised a puppy and promptly returned
have a nice day
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14-05-2008, 06:30 PM
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Ride: VL EXEC
Join Date: Apr 2008
Posts: 27
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Quote:
Originally Posted by Torquative
yes, I had a similar struggle. I had to go with a local credit union (luckily tho I had been a member for 6 years prior) and that was because the manager took time to sit down with me and go through every single option. It took some sweet talking but it worked.
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probably your best bet....an instution that you have a good account record with should be able to help you. although you may noy get the amount you are after, your bank/union manager should be able to help you out. like you said, you have no bad credit so that cant go against you.
the only prob i c (im no financial guru btw) is if your spouse is dependent, how much rent you pay and if you have any other loans at the moment..
GOOD LUCK 
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HONESTLY OFFICER, IT WAS CONSECUTIVE U TURNS..
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14-05-2008, 07:15 PM
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Banned
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Ride: VT Clubby
Join Date: Oct 2004
Posts: 738
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If you are in Vic let me know,maybe i can refer you to somebody.
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14-05-2008, 07:28 PM
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Ride: VH + VK Gas Cars
Join Date: May 2004
Posts: 87
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Quote:
Originally Posted by Garth
welcome to my world, it's getting harder to get finance these days
im on 1.5k plus a week after tax, i cant get it becuase my wife is at uni and i have a daughter at school. chin up champ, good things come to those that wait.
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Wow $1500+/week Net with 2 Dependants and cannot get finance? Doesn't sound right to me. You must have some other hefty commitments.
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14-05-2008, 08:32 PM
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WTF?!?!
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Ride: VS Acclaim V6
Join Date: May 2005
Posts: 1,524
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I would like to know whats Garth's occupation if he don't mind me asking. That 1.5k a week is awesome pay!!!
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14-05-2008, 08:37 PM
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Donating Member
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Ride: VT 4.2 S/C
Join Date: Apr 2006
Location: Brisbane
Posts: 540
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hes a sparky, sure beats my pay
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200rwkw 13.71 @ 99MPHSTROKED AND BLOWN
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14-05-2008, 09:08 PM
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Go Kitty Go!
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Ride: 'Ruby' 1991 VN Exec / 1999 VT HSV XU6
Join Date: Feb 2006
Location: S/E Melb
Posts: 1,671
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It could be the number of applications on your credit file too. They stay on their for 12 months, and if you have to many that haven't been approved, other financial companies see that and think "Well, if all those other places won't give him credit, there must a be a reason"
All sorts of things go on there even applying for a mobile phone. I've got the same problem at the moment. So I'm waiting for a few of mine to drop off before going shopping for a newer car.
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