Where can I get a loan?

Question

Low income on FTB and Parenting Payment Partnered.
Discharged part 9 for over 12 months.
Refuse to use the hubby, just my income.
I'm sick of searching the web for "guarenteed loans for bad credit" that's just a line to get you in and they deny you, or ask me to add the Hubby, this isn't 1950!
I need to establish my own credit rating, I want to do it with a small personal loan, not a store/credit card.
Does anyone have any serious suggestions on the direction to take in this regard?
Income 15000+ annual
Expenses 325 p/m
No security other than white goods and electronics

leemac · Accepted Answer

Australian answer - Why do you want this loan, is it to establish a credit rating?
Although you want to do this on your own, the banks/finance companies know that if you were on your own, without your Hubby to help cover expenses, your monthly expenses would be a lot more than $325.  They have a system where they assume what it would cost you to live and use that as your expense base. It is approx $1200 pm. so you can see that if your income is $15,000 pa there is not a lot left to cover loan repayments.
They will not take white goods/electronics as security.  They will however look at your savings record. So if you want a loan, start saving the monthly repayment equivalent into a bank account. Demonstrates that you have the ability to repay that amount each month.

Anonymous · Answer

I got my loan few weeks ago from Ericson Finance Company Plc
If you know you need loan, apply now with Ericson Finance and obtain a good loan without a collateral.
Email:ericsonfinance@outlook.com 
Website: www.ericsonfinance.com

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Where can I get a loan?

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