In this day and age, loans have become pretty essential. As a professional who makes enough for a comfortable living, I know that sometimes an emergency looms around the next corner and will really rustle up your funds if you aren’t prepared. On the other hand, there may be pricey things that you may want to purchase, where you are not comfortable enough to touch your savings.

A car is one of these things, and something I’ve personally been wanting for some time. While it’s not too difficult to commute to and from work and home, nothing beats the convenience of having your own means of transportation. That said, I don’t have a couple of bags of extra cash lying around, nor do I think that I should be taking out of my savings just yet, and the deposit for a car is not to take lightly. This is what really got me to consider taking out a loan: my refusal to use up my savings, and my need for a convenient way of traveling.

SUCO was what gave me the option I was looking for, which was a guarantor loan. I am a lucky man to have people in my life who would back me, even if I were to default on the loan. My savings painfully cushion that risk, however, I am personally confident that it will not come to that. Regardless, it was the fact that I was able to get a loan in the first place, without having to have my credit history checked- all I needed was someone to act as a fall back, which is easy to find if you aren’t a very unlikable person anyway. The entire process took much less time and effort to complete than I was initially expecting, given the nature of the transaction. A loan bears the weight of time and money, after all, two things that most of us need but do not have enough of.

In the end, I got my loan, and I managed to pay the deposit on my car. It all cost me a little bit of time, some inner turmoil, and a few pints of beer to pay my guarantor for his trust and efforts. The beer was simply an added touch, as I’m sure there was no doubt when the backing was discussed. After all, a Lannister always pays his debts.