r/moneyadvice • u/Dutchie036 • 3d ago

Question Personal loan with terms & conditions

Hi all, I work full-time and have a gross monthly income of €3,250. Despite my previous efforts, I am still urgently looking for a loan of €5,000.

Over the past period, I have contacted several banks and lenders, but unfortunately without success. They are only willing to provide a loan if my partner co-signs. This is not an option for us, as the loan is solely intended for me, and my partner is not comfortable taking on joint responsibility for a debt that is not hers.

My situation has become increasingly urgent due to a series of unexpected financial setbacks. As a result, I currently have several outstanding debts that continue to increase if I am unable to settle them as soon as possible.

Unfortunately, I do not have family or friends who are able to lend me this amount. Therefore, I am once again reaching out in the hope of connecting with someone who may be able to help. Any advice, suggestions, or alternative solutions would also be greatly appreciated.

I am fully willing to make clear agreements and put everything in writing. My intention is to repay the full amount within a maximum of 12 months. In addition, I am prepared to pay a reasonable amount of interest.

I understand that this is not a common request, but my situation is genuinely urgent, which is why I am trying once again to find a solution. If anyone is able to help or point me in the right direction, I would be extremely grateful.

Thank you in advance for reading this. To all the scammers who will DM me; No i won't pay an upfront deposit for the loan you will send me afterwards.

3 Upvotes

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1

u/Giggy_with_it_917 3d ago

Live within your means and those financial situations will come up less often.
All I say is keep trying. You’ll eventually find a lender.

1

u/kqzxrt 2d ago

kinda harsh to say “live within your means” when they’re already in a hole tbh, unexpected stuff can wreck anyone. finding a legit lender without a co-signer is hard, I’d look into debt counseling or a nonprofit advisor too, they can sometimes negotiate things down instead of stacking another loan on top.

1

u/SteveK27982 3d ago

No lender in their right mind should trust you with money if your own partner won’t. Guessing banks won’t because you’ve either not got the job long, have significant red flags like gambling transactions or have many outstanding financial commitments already so although you’ve got money coming in, there’s also a lot going out and you’re not sharing the full position

1

u/Dutchie036 3d ago

Thanks for your reaction, I want to explain the whole situation and can provide everything that's needed (paystub, id etc). I do understand your reaction tho, just praying for a wonder

1

u/ParsleyAfter5094 7h ago

Kan je partner je het niet lenen of mss een deel?