i understand what you are saying, but its very difficult to go through life without any credit at all, my IVA is paid and it was tough but i managed without £500 a month and never missed a payment so i'm sure i could handle a small loan again.

it was indeed 5 years, so what are the chances of getting a loan, slim?

Hi,

my last payment of £500 was taken on november the 22nd and now i am just waiting for the certifcate of completion. does anyone or has anyone tried to get a loan, credit cards etc shortly after this?

i desperately need a new car, but pretty unsure if i can get any kind of credit for another year.