Hi
We have just moved back to Ireland and would like to take out a loan for a second car. We have a credit card balance of about 7k which we will pay off in next three months.
Salaries are 100,000 and 65,000.
We have about 2-3 k extra income each month on top of expenses.
We were living in an expensive country and out of work for a while there so ran through our savings and ran up the credit card.
Now back in a position to sort it out.
However, both in brand new jobs and only back in Ireland.
Mortgage on house is about 220k and it's worth about 340k so no negative equity.
Not getting the impression from boi who we talked to that we would stand a chance for a loan.
Is there any lender that would look at us? Our ICB record is very clean.
Don't really want to go and buy a Banger for 2-3k and would prefer to spend 10-15k for something more reliable as we do lots of driving down the country.
We have just moved back to Ireland and would like to take out a loan for a second car. We have a credit card balance of about 7k which we will pay off in next three months.
Salaries are 100,000 and 65,000.
We have about 2-3 k extra income each month on top of expenses.
We were living in an expensive country and out of work for a while there so ran through our savings and ran up the credit card.
Now back in a position to sort it out.
However, both in brand new jobs and only back in Ireland.
Mortgage on house is about 220k and it's worth about 340k so no negative equity.
Not getting the impression from boi who we talked to that we would stand a chance for a loan.
Is there any lender that would look at us? Our ICB record is very clean.
Don't really want to go and buy a Banger for 2-3k and would prefer to spend 10-15k for something more reliable as we do lots of driving down the country.