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Student loan info help please!!!!!!!!

Kyles

By Kyles,
in Western Australia

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Kyles Grand Master

Kyles

Posted
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I have just been accepted to uni and i have found my dream car. A MINI!!!

Ive been on a few bank sites to check out student loans but they wont give them out to first year students (rather dumb). Anyone know of any banks that do give out student loans to first year students. I have been studying part time for a year. Hopefully thats enough. I Really really really want this car!! Its awsome. My mini gtr ;)

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https://www.sau.com.au/forums/topic/32268-student-loan-info-help-please/
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Kyles Grand Master

Kyles

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Because i do practical one day a week at a primary school i need a car so there for i qualify for a student loan. I applied for a loan today at the national bank. Pretty sweet, low interest, dont have to pay it back untill i finish uni and then i have 3 years to do that. I find out friday the earliest.. so keep ur fingers crossed for me everyone.. may be joining u all in cruses speeding past u in my mini ;)

MarkR33 Community Regular

MarkR33

Posted
Posted

good luck with the loan kyles

just keep in mind, the interest rates on personal loans are pretty high

and if your not paying it off , for a while that interest on the entire amount

$5000 is compounding and growing every month, so when you finally do pay it off it will be more like 10000 your paying off ,

just try your best and pay it off as soon as possible, most banks dont do first year uni students for the main reason, that is most uni students if they do drop out of fail will be in the first year

i have my loan through the national unsecured personal loan , generally they are pretty good and the repayments over the term is usually fairly small , just pay it off asap

save yourself $5000

MarkR33 Community Regular

MarkR33

Posted
Posted

hmm , bugger, have you thought about getting one of your parents , or close friends going guarantor? or taking loan out on your behalf?

or better yet they could go co-loan'ees which is where 2 people are on the loan, that way if you default on the payments the other person is there to pay it for your, from the banks perspective thats a safer way , about all i can think of im afraid, whatever you do just dont go for one of those smaller loan companies , who can charge you interest of up to something like 30% youve seen them on tv , the little loan comp**** and others

can the dealer arrange finance for you?

Kyles Grand Master

Kyles

Posted
  • Author
Posted

Well i am going to ask my sister. She has a fair few assests worth alot of money, but its a bit strang asking.. its a big favour. My mother wouldnt give me 5c atm... But right now i have more money than she does.. so that idear wont work.. but thanks anyways.

Im going to wait to see where i get my prac placement, i may be lucky and get one close to home and on a pt route. If i need a car to get to prac then ill ask some favours.

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