[lcwalker]

I do window cleaning and gardening and would like to add some better gear to the stuff i have already , I reckon ill need around £3000 but on internet searches the interest rates are all well over 20%.Im 34 so im to old for help from the princes trust is there any help out there for someone of my age thanks in advance.

[rg1]

A business loan from the bank would be a lot cheaper

[Ian101]

£3000 over 36 months at 6% flat (APR about 12% to 14%) would be £98.33 a month or £22.69 a week (monthly divided by 4.33333)

If you have ok credit rating then thats what bank should be offering.

My background is car sales / finance.

over 48 months be about £77.50 / £17.88

Hope it helps ! 

[Dave R]

try the aa, when i got a loan they were excellect and quick, 

[rg1]

Ian 101. Would you mind if I emailed you regarding the finance on my van?

[Dave Willis]

Is it possible to use 0% credit cards and switch the loan to another 0% card when it's due to shoot up?

[♠Winp®oClean♠]

You'll be lucky to get a loan of 3k below 16% & you might not even get that unless you have the cream of criteria!

Dave's suggestion of credit cards is a good one but you may have a 3 to 4% fee initially & each time you change. This usually will still work out much cheaper than a loan from a high street bank.

Zopa have superb rates but again, you really do have to be the cream of the crop to get one.

[Ian101]

Ian 101. Would you mind if I emailed you regarding the finance on my van?

happy to help if I can ... email on my profile 

[Ian101]

You'll be lucky to get a loan of 3k below 16% & you might not even get that unless you have the cream of criteria!

sorry quite correct £3000 is a low balance to finance ... rate possibly 8% flat and about 16-18% APR

so £3000 over 36 would be £103 or £82.50 over 48

[rg1]

This may help:


http://www.natwest.com/business/products/borrowing/longer-term/loans/small-business-loan.ashx

[Sean Dyer]

hsbc where doing loans with interest about 8 % between 7500 and 15k

 might be worth a try though