Hi all,
In a terrible pickle at the moment and furious at my own bank AIB. I applied for €10k car loan over 5 years which is only €204 per month and they turned me down. Reason being that my salary comes in and goes out too quickly or something like that. Well I nearly died, we just bought a house (our 1st) so we have had alot of expenditure over the past 6 weeks but we have never gone into the red, we earn good money and the account is always in the black, basically we are never broke. Also, I had a €5k loan with them last year which I actually paid off early, it was over 2 years and I never missed a payment, and before a year was up I had paid it off.
GE Money have now also declined me and I don't get it. I know my credit rating is clear and I now use my married name and have my new address so what's going on here??.
My application is like this, can someone tell me what to do as I need to change my car and I have sold it to someone else as I was sure I would get a €10k loan!!.
I did a single application, in my married name, home owner, nett take home pay €2,700 per month, have 2 kids, mortgage is €1,600 but our household Income €5,300 per month after tax so I just don't understand why I have been turned down, especially by my own bank who gave me a loan and credit card when I was a tenant and on less income.
Help, I really have to get a loan of €10k, going mad thought it would be done and dusted very fast.
In a terrible pickle at the moment and furious at my own bank AIB. I applied for €10k car loan over 5 years which is only €204 per month and they turned me down. Reason being that my salary comes in and goes out too quickly or something like that. Well I nearly died, we just bought a house (our 1st) so we have had alot of expenditure over the past 6 weeks but we have never gone into the red, we earn good money and the account is always in the black, basically we are never broke. Also, I had a €5k loan with them last year which I actually paid off early, it was over 2 years and I never missed a payment, and before a year was up I had paid it off.
GE Money have now also declined me and I don't get it. I know my credit rating is clear and I now use my married name and have my new address so what's going on here??.
My application is like this, can someone tell me what to do as I need to change my car and I have sold it to someone else as I was sure I would get a €10k loan!!.
I did a single application, in my married name, home owner, nett take home pay €2,700 per month, have 2 kids, mortgage is €1,600 but our household Income €5,300 per month after tax so I just don't understand why I have been turned down, especially by my own bank who gave me a loan and credit card when I was a tenant and on less income.
Help, I really have to get a loan of €10k, going mad thought it would be done and dusted very fast.