#Personal Loan Rejection

[kattoiy]

Personal loans can be a convenient financial tool to address various needs, from consolidating debt to funding a significant purchase or covering an emergency expense. However, not every application for a personal loan is approved. Loan rejections can be disheartening, but understanding the reasons behind them can help you improve your chances of approval in the future. This article will explore the common reasons for Reasons for Personal Loan Rejection and offer tips on how to avoid them.

Common Reasons for Personal Loan Rejection

1. Low Credit Score

A credit score is one of the most crucial factors lenders consider when evaluating a personal loan application. It reflects your creditworthiness based on your credit history, including your ability to repay debts on time. A low credit score signals to lenders that you may be a high-risk borrower.

How to Improve:

Pay Bills on Time: Consistently paying your bills on time is the most effective way to improve your credit score.

Reduce Debt: Lower your overall debt levels to improve your credit utilization ratio.

Check Credit Reports: Regularly review your credit reports for errors and dispute any inaccuracies.

2. High Debt-to-Income Ratio

The debt-to-income (DTI) ratio compares your total monthly debt payments to your gross monthly income. A high DTI ratio indicates that a significant portion of your income goes toward paying off debt, which can make lenders wary of approving additional loans.

How to Improve:

Increase Income: Look for ways to increase your income, such as a side job or asking for a raise.

Pay Down Existing Debt: Focus on paying off existing debts to lower your DTI ratio.

Limit New Debt: Avoid taking on new debt before applying for a personal loan.

3. Insufficient Income

Lenders need to be confident that you have a stable and sufficient income to repay the loan. If your income is too low, lenders may doubt your ability to make regular loan payments.

How to Improve:

Provide Proof of Additional Income: Include any additional sources of income, such as freelance work, bonuses, or rental income.

Get a Co-Signer: Consider applying with a co-signer who has a higher income.

Seek a Higher Salary: If possible, negotiate a higher salary at your current job or find a higher-paying position.

4. Unstable Employment History

Lenders prefer applicants with a stable employment history because it indicates a reliable source of income. Frequent job changes or gaps in employment can raise red flags.

How to Improve:

Stabilize Employment: Try to stay in your current job for at least six months to a year before applying for a loan.

Explain Employment Gaps: If you have gaps in your employment history, provide a clear explanation to the lender.

5. Incomplete or Inaccurate Application

An incomplete or inaccurate application can lead to automatic rejection. Missing information or discrepancies can make it difficult for lenders to assess your eligibility.

How to Improve:

Double-Check Your Application: Review your application thoroughly to ensure all fields are filled correctly.

Provide Accurate Information: Ensure that all information you provide is accurate and matches your supporting documents.

6. Existing Loans or Credit Applications

Having multiple existing loans or recent credit applications can make lenders wary of approving a new loan. It may suggest that you are overleveraged or desperate for credit.

How to Improve:

Limit New Credit Applications: Avoid applying for multiple loans or credit cards within a short period.

Manage Existing Loans: Pay off smaller loans or consolidate debts to reduce the number of outstanding accounts.

7. Lack of Credit History

If you have little to no credit history, lenders have no way to gauge your creditworthiness. This can be particularly challenging for young adults or those who have never taken out a loan or credit card.

How to Improve:

Build Credit: Start building your credit history by opening a secured credit card or taking out a small personal loan and making timely payments.

Use Authorized User Status: Become an authorized user on a family member’s credit card to build your credit history.

8. Incorrect or Inconsistent Personal Information

Any discrepancies in your personal information, such as your name, address, or social security number, can lead to rejection. Lenders use this information to verify your identity and financial background.

How to Improve:

Update Personal Information: Ensure that all personal information is up-to-date and consistent across all documents and applications.

Provide Supporting Documentation: Be prepared to provide additional documentation if there are any discrepancies.

9. High Number of Hard Inquiries

Each time you apply for credit, a hard inquiry is made on your credit report. Multiple hard inquiries within a short period can negatively impact your credit score and suggest that you are seeking more credit than you can handle.

How to Improve:

Limit Credit Applications: Only apply for credit when necessary and space out your applications.

Check Pre-Approval Offers: Use pre-approval or pre-qualification offers that do not result in hard inquiries.

10. Lender-Specific Criteria

Different lenders have varying criteria for approving personal loans. What one lender considers acceptable, another may not. Factors such as your relationship with the bank, the type of loan, and internal policies can all play a role.

How to Improve:

Research Lender Requirements: Understand the specific criteria of the lender you are applying to and tailor your application accordingly.

Seek Alternative Lenders: If one lender rejects your application, consider applying to another lender with different criteria.

11. Application Errors

Simple mistakes on your application, such as misspelled names or incorrect figures, can lead to rejection. Lenders rely on accurate information to make their decisions.

How to Improve:

Carefully Review Applications: Take the time to carefully review your application before submission.

Use Professional Help: Consider seeking help from a financial advisor or loan consultant to ensure your application is error-free.

Conclusion

Personal loan rejection can be disappointing, but understanding the reasons behind them is the first step towards improving your chances of approval in the future. By focusing on improving your credit score, managing your debt-to-income ratio, stabilizing your employment history, and ensuring accurate and complete applications, you can enhance your eligibility for a personal loan. Additionally, being aware of lender-specific criteria and limiting the number of credit applications can further increase your chances of securing the loan you need. With careful planning and attention to detail, you can overcome the obstacles to loan approval and achieve your financial goals.

[yourloanadvisors]

The first step is to understand why your loan application was rejected. Lenders are typically required to provide a reason for the rejection, often in writing or through electronic communication, due to various reasons Instant Personal Loans can get rejected. A Personal Loan Rejection is not a permanent roadblock it’s an opportunity to reassess your financial situation and take positive steps toward improvement.

[monikaji1988]

Personal Loan Rejection and How to Avoid it

Looking for a personal loan? Learn about the common reasons for personal loan rejection and how to avoid them. This guide provides tips and insights to help you increase your chances of getting approved for a personal loan. Save time and frustration by understanding what lenders are looking for and how to present yourself as a responsible borrower. Don't let loan rejection hold you back - read the guide now.

[kriti2024]

Personal loans are a popular option for individuals looking to fund a variety of needs, from consolidating debt to financing large purchases. However, not all personal loan applications get approved. Understanding the common personal loan rejection reasons can help you avoid making mistakes and improve your chances of approval in the future.

In this article, we'll explore the top factors that lead to personal loan rejection and how to overcome them.

1. Poor Credit Score

One of the most significant reasons for personal loan rejection is having a low credit score. Lenders rely heavily on credit scores to evaluate a borrower’s creditworthiness. A credit score reflects your repayment history, outstanding debts, and the length of your credit history. If you have a poor credit score, it signals to lenders that you may be a high-risk borrower.

How to improve:

Regularly check your credit score.

Pay off outstanding debts.

Avoid applying for multiple loans or credit cards in a short time.

Ensure that your credit utilization ratio (amount of credit used compared to available credit) is low.

2. Unstable Employment History

Lenders look for applicants with a stable employment history. Frequent job changes or gaps in employment can lead to personal loan rejection. Lenders view this as an indication of income instability, which raises concerns about your ability to repay the loan.

How to improve:

Show consistency in your job history.

Try to stay in a position for at least a year before applying for a personal loan.

If you’ve recently switched jobs, provide additional documentation like offer letters or salary slips.

3. Insufficient Income

Lenders set minimum income thresholds for personal loans to ensure that borrowers have the financial means to repay the loan. If your income doesn’t meet the lender’s minimum requirement, your application might be rejected.

How to improve:

Check the lender’s income criteria before applying.

Consider adding a co-applicant who meets the income requirements.

Provide accurate documentation of all income sources, including bonuses or freelance work.

4. High Debt-to-Income Ratio

A high debt-to-income ratio (DTI) is another common personal loan rejection reason. Lenders calculate your DTI by comparing your total monthly debt payments to your gross monthly income. If a significant portion of your income is already committed to paying off other loans, credit cards, or mortgages, lenders may view this as a risk.

How to improve:

Pay off existing debts before applying for a new loan.

Avoid taking on new debt until your current obligations are more manageable.

Try to maintain a DTI ratio below 40%.

5. Multiple Loan Applications

Applying for multiple loans or credit cards within a short time can raise red flags for lenders. Each loan application typically results in a hard inquiry on your credit report, which can temporarily lower your credit score. Multiple applications can make you seem desperate for credit, leading to personal loan rejection.

How to improve:

Apply for personal loans only when necessary.

Research various loan products and apply for the one that suits your needs best.

Space out your loan applications over time.

6. Errors in the Application

Simple mistakes on your loan application, such as incorrect personal details, incomplete information, or inconsistencies in the data provided, can lead to personal loan rejection. Lenders need accurate and consistent information to process the application.

How to improve:

Double-check all the details in your application before submission.

Provide all the required documents, including identity proof, income proof, and address proof.

Ensure that the information on your application matches the details on your credit report and other documents.

7. Unverifiable Information

Lenders often conduct a thorough verification process to ensure the accuracy of the information provided in your loan application. If they are unable to verify your employment status, income, or any other critical detail, your application may be rejected.

How to improve:

Provide verifiable and up-to-date information.

Ensure that all contact information, such as phone numbers and email addresses, is accurate.

Be prepared to submit additional documentation if requested by the lender.

8. Age or Location Restrictions

Some lenders have specific eligibility criteria related to age or location. For instance, certain personal loan products may be available only to individuals within a particular age bracket or living in certain geographical areas. Failing to meet these criteria can result in personal loan rejection.

How to improve:

Review the lender’s eligibility criteria before applying.

Consider applying for a loan with a lender that caters to your age group or region.

9. Unsuitable Loan Amount

If the loan amount you're requesting is too high compared to your income, or if it doesn’t align with the lender’s minimum or maximum loan limits, your application may be rejected.

How to improve:

Apply for a loan amount that is proportionate to your income.

Review the lender’s loan limits before applying.

If you need a larger loan, consider improving your income or applying with a co-borrower.

10. Existing Loans in Default

If you have defaulted on any previous loans, this can be one of the major personal loan rejection reasons. Lenders are unlikely to extend a new loan to individuals who have a history of not repaying their debts.

How to improve:

Clear any outstanding debts or defaults before applying for a personal loan.

Negotiate a settlement with the lender if necessary.

Ensure that your credit history reflects a consistent repayment pattern after any previous defaults.

Conclusion

There are several common personal loan rejection reasons, but being aware of these factors can help you avoid pitfalls. By maintaining a good credit score, ensuring stable employment, managing your debt-to-income ratio, and providing accurate and verifiable information, you can significantly improve your chances of getting approved for a personal loan.

Always remember to check the eligibility criteria and be prepared with all necessary documents before applying. Taking these steps will ensure a smoother application process and minimize the risk of personal loan rejection.

[salt-baby]

yes, doctors suck, but also "the medical ethics and patient interaction training doctors receive reinforces ableism" and "the hyper competitive medical school application process roots out the poor, the disabled, and those who would diversify the field" and "anti-establishment sentiment gets applications rejected and promotions requests denied, weeding out the doctors on our side" and "the gruesome nature of the job and the complete lack of mental health support for medical practitioners breeds apathy towards patients" and "insurance companies often define treatment solely on a cost-analysis basis" and "doctors take on such overwhelming student loan debt they have no choice but to pursue high paying jobs at the expense of their morals" are all also true

none of this absolves doctors of the truly horrendous things they say and do to patients, but it's important to acknowledge that rather than every doctor being coincidentally a bad person, there is something specific about this field and career path that gives rise to such high prevalence of ableist attitudes

and I WILL elaborate happily

[valkysrie]

does anybody else have student loans with nelnet im literally going to kms thinking about this stupid company !!!!

[loantrivia]

How do I find a Good Interest Rate on a Personal Loan?

Finding a good interest rate on a personal loan can be a daunting task, but with proper research and knowledge, it is possible to get the best deal for your needs. With the right information and a little bit of effort, you can find the perfect loan for your financial situation. What is the Interest Rate on a Personal Loan? The interest rate on a personal loan depends on a number of factors…

[batboyblog]

Things Biden and the Democrats did, this week #19

May 17-24 2024

President Biden wiped out the student loan debt of 160,000 more Americans. This debt cancellation of 7.7 billion dollars brings the total student loan debt relieved by the Biden Administration to $167 billion. The Administration has canceled student loan debt for 4.75 million Americans so far. The 160,000 borrowers forgiven this week owned an average of $35,000 each and are now debt free. The Administration announced plans last month to bring debt forgiveness to 30 million Americans with student loans coming this fall.

The Department of Justice announced it is suing Ticketmaster for being a monopoly. DoJ is suing Ticketmaster and its parent company Live Nation for monopolistic practices. Ticketmaster controls 70% of the live show ticket market leading to skyrocketing prices, hidden fees and last minute cancellation. The Justice Department is seeking to break up Live Nation and help bring competition back into the market. This is one of a number of monopoly law suits brought by the Biden administration against Apple in March and Amazon in September 2023.

The EPA announced $225 million in new funding to improve drinking and wastewater for tribal communities. The money will go to tribes in the mainland US as well as Alaska Native Villages. It'll help with testing for forever chemicals, and replacing of lead pipes as well as sustainability projects.

The EPA announced $300 million in grants to clean up former industrial sites. Known as "Brownfield" sites these former industrial sites are to be cleaned and redeveloped into community assets. The money will fund 200 projects across 178 communities. One such project will transform a former oil station in Philadelphia’s Kingsessing neighborhood, currently polluted with lead and other toxins into a waterfront bike trail.

The Department of Agriculture announced a historic expansion of its program to feed low income kids over the summer holidays. Since the 1960s the SUN Meals have served in person meals at schools and community centers during the summer holidays to low income children. This Year the Biden administration is rolling out SUN Bucks, a $120 per child grocery benefit. This benefit has been rejected by many Republican governors but in the states that will take part 21 million kids will benefit. Last year the Biden administration introduced SUN Meals To-Go, offering pick-up and delivery options expanding SUN's reach into rural communities. These expansions are part of the Biden administration's plan to end hunger and reduce diet-related disease by 2030.

Vice-President Harris builds on her work in Africa to announce a plan to give 80% of Africa internet access by 2030, up from just 40% today. This push builds off efforts Harris has spearheaded since her trip to Africa in 2023, including $7 billion in climate adaptation, resilience, and mitigation, and $1 billion to empower women. The public-private partnership between the African Development Bank Group and Mastercard plans to bring internet access to 3 million farmers in Kenya, Tanzania, and Nigeria, before expanding to Uganda, Ethiopia, and Ghana, and then the rest of the continent, bring internet to 100 million people and businesses over the next 10 years. This is together with the work of Partnership for Digital Access in Africa which is hoping to bring internet access to 80% of Africans by 2030, up from 40% now, and just 30% of women on the continent. The Vice-President also announced $1 billion for the Women in the Digital Economy Fund to assure women in Africa have meaningful access to the internet and its economic opportunities.

The Senate approved Seth Aframe to be a Judge on the US Court of Appeals for the First Circuit, it also approved Krissa Lanham, and Angela Martinez to district Judgeships in Arizona, as well as Dena Coggins to a district court seat in California. Bring the total number of judges appointed by President Biden to 201. Biden's Judges have been historically diverse. 64% of them are women and 62% of them are people of color. President Biden has appointed more black women to federal judgeships, more Hispanic judges and more Asian American judges and more LGBT judges than any other President, including Obama's full 8 years in office. President Biden has also focused on backgrounds appointing a record breaking number of former public defenders to judgeships, as well as labor and civil rights lawyers.

[getosbigballsack]

Random thought!

But just imagine 35 years old CEO Gojo Satoru falling in love with the young woman whom he hired to be his surrogate.

Desperate at this point to fulfill his role as CEO and the heir of his family clan, he knew he had no other choice but to find someone who would be willing to give birth to his child.

He thought his ex-wife was the one. After all, she was pregnant when they were still together. When the due date came around and Satoru heard that she gave birth to a healthy baby boy, he was over the moon until he saw the baby for himself.

He knew that that wasn't his baby. Blonde hair and green eyes? No one in his family had blonde hair and green eyes. So he asked for a DNA test. His ex-wife refused at first, but then she gave in, and when the test came back, the baby was 99.99%, not his child.

He was broken. He served her divorce papers the following day, and after everything he had done for her, this is how she chose to repay him. As if cheating wasn't enough, she had to get pregnant and gave birth to another man’s child.

So now here he is sitting in a cafe waiting for the surrogate.

...

You didn't have much of a choice. 26 years of age and still struggling to get your bachelor's degree just so that you could live a comfortable life and be financially stable.

But with the way things are right now, you knew that it was an impossible task to complete your final year. You could hardly manage to pay your school fee. You kept on getting rejection letters from student loans, and let's face it, you barely had time to study to even try to get a scholarship.

So now you're stuck looking for a quick and easy way to make money. You had little options, and prostitution just so happened to be one of them. And you almost turned to it, that's until you heard that a "rich" CEO was looking for a woman who was willing to give birth to his heir.

So now that's how you ended up in the situation to you're in currently. Nervously playing with your fingers as sat across from no other than Gojo Satoru.

"Your name is Y/N?"

"Yes, and you're Mr. Gojo Satoru."

He shook his head yes while taking a sip of his coffee. "I hope you don't mind meeting like this. I thought it would be better to meet in a more casual setting instead of my office. I don't want to intimidate you."

"That's fine, Mr. Gojo."

"Before we get started, are you sure you want to do this? I want you to be absolutely sure because once you sign the contract, there is no backing out of it."

You shook your head yes before responding, "it's something that I've thought about deeply, Mr. Gojo, and after reading through the contract a few times, I came to the conclusion that I would rather have a baby for a stranger who is willing pay to me more than what my school fee is worth than go and become a prostitute."

He was shocked by your words but said nothing of it. It wasn't his place to say anything or have any comment about your personal life.

"Well then, I guess we can go ahead and meet with our lawyers and sign the contract."

"Lawyers? I thought... I can't afford a lawyer right now," you said to him.

He chuckled, "I figured that that would be the case. No worries, I had already hired a lawyer for you."

"You did?" You asked. Just then, the door to the cafe burst opened, and in came a man and a woman dressed in suits.

"Ah, there they are. Right on time."

Gojo stood up and greeted the lawyers before he introduced you to them. The man, Mr. Nanami Kento is his lawyer, and the woman Tetsu Akari is your lawyer. First impression she has a kind and calm aura around her.

But let's move down the line.

You four all sat and discussed what was on the contract, and before you signed it, Gojo asked, "Is there anything that you need to clarify before signing the contract."

"Yes, uhm, it's about the procedure. Are we going to uhm... have... uhm intercourse to conceive the baby?"

"We could since it's the safe way to go about this, but no," he answered with a small smile on his face.

"Ok then, where do I sign."

This is the beginning of how Gojo Satoru fell in love with the woman he hired to be his surrogate.

[srjlvr]

[ LET’S GET MARRIED ! ] — lhs <3

PAIRING. lee heeseung!student X femreader!student !

SYN. the uni is giving away free dorms! under one condition, in order to save your desperate broke ass student’s life, you’d have to get married. and who’d be the lucky person to marry you if not your childhood friend? no feelings involved of course!…..right?

GENRE. he fell first but she fell harder, basically being in denial for feelings at first, childhood friends to a married couple, fluff fluff fluff !

WARNINGS. mentions of getting married(obv), rest of enha and lesserafim’s yunjin & chaewon are in it too, mentions on having kids(no, there will be no kids here its nothing serious!!), mentions of food, being broke because of uni student life. (pls do lmk if i missed something!) || NOT PROOFREAD AND VERY POORLY WRITTEN!!

WORD-COUNT. 5.1k+ (damn!)

NOTE. this is me being extremely sorry for not continuing my heeseung smau by releasing a heeseung oneshot yay!! i actually got the inspiration from HAPPINESS (one of my fav kdramas!) please leave some feedbacks!! i really wanna know what you thought about it<3

when you were younger, you’ve made a wishing list to you in the future, as soon as you turn an adult.

three important wishes were ;

first, never go broke while being a uni student.

second, never get married before the age of 25.

third, never ever fall in love with your best friend since childhood, aka lee heeseung.

first one is already being a huge failure. younger you would be definitely disappointed in uni student you, not that you care that much, but being a broke student sucks.

“my parents are literally about to kick me out, i get that, i’m a 22 years old uni student who’s still living up their asses, they probably want some peaceful and quiet life” you smacked your head over the lunch table, both of your friends looking at you concerned.

“maybe it’s time for you to pay for the dor-“

“never! yunjin, tell her how broke i am”

“she has like 1 dollar in her bank account, she’s still taking loans from her parents” yunjin nodded and you rolled your eyes.

“you didn’t have to go that far”

“oh i did”

“oh i know! what if you just start working?” chaewon raised her voice a bit.

“i have no time!”

“excuses excuses blah blah blah” she mocked you.

“look at heeseung for example, he works in a part time job at the convenience store right next to uni” yunjin pointed out.

you searched through the lunch hall and found the one person you’ve been looking for, lee heeseung.

you’ve been stuck to him ever since childhood, with your mothers being the biggest best friends you’ve ever seen, it was pretty hard to not see him every day in your young days.

both of your mothers even got pregnant at the same time, and gave birth around the same time, you’re two days younger than him.

your photo album is full with pictures of you and him, and so are the hanged photos on your house wall.

your mother and his mother were your biggest shippers, forcing you both to hug each other and even wear matching clothes.

your elementary school memories are filled with heeseung next to you and the whole class shipping you two.

highschool days weren’t better either, guys who wanted to try a move on you were always so scared of heeseung, they were so sure you and him are dating, with the amount of glares they got from him it was really hard to think otherwise.

your highschool crushes rejected you, always giving the excuse of not wanting to be in a relationship, hiding the fact that heeseung warned them that if they’ll say yes he’ll make sure they never see a daylight again.

he was joking, really. he’s not the violent type, and he couldn’t really explain why was he feeling so jealous whenever he saw you confessing to a guy who isn’t him.

heeseung got used to watching you from afar and protecting you, and you got used to search him everywhere you go even in crowded places and having his company ever since childhood.

“hee!” you called and waved at him, he waved at you back with a smile on his face.

“i swear if i didn’t know both of you were childhood friends i would’ve think you’re a married couple or something” chaewon rolled her eyes and you scoffed.

heeseung continued his way to his usual table with his friends.

“thinking about ways to confess your love to her?” jake smirked and heeseung shook away his thoughts.

“hm? who?” he asked.

“it’s obvious who! don’t play dumb come on!” sunghoon playfully pushed the older one.

“we’re talking about Y/N! everyone in uni are talking about you, even those who know nothing about the two of you” jay remarked.

“there’s nothing between us, we’re just friends” heeseung shrugged.

“and i’m queen elizabeth” sunoo tsked.

heeseung rolled his eyes and began to eat, “you know, even if i did have a crush on her, why would she even accept my confession?”

“ohhhh~” his friends teased.

“it’s kind of obvious she likes you, we’ve watched her ever since we became friends with you, and the way she looks at you is just different” jungwon shrugged and ni-ki nodded.

“she’s always searching you in a crowded room, as if you’re her guardian angel and she only needs you in her life in order for it to be perfect” ni-ki then stole a few bites of heeseung’s meal.

“hey! not cool” heeseung scoffed and ni-ki giggled.

“it’s not bad to have a crush on your childhood friend, you know?” jake smiled, “sometimes all you need is a miracle” jay added.

“hey, let’s go on a work search for yo-“

“no no no yunjin not you too!!” you sobbed, “i have no time to work and i need to search for the cheapest dorm, a one i can actually afford as soon as possible”

“why don’t you just go and ask heeseung for help” chaewon shrugged.

“it’s not that easy, i don’t want him to worry about it too much, he works hard for his money too” you pout and they nodded.

“by the way! how’s the money for the uni dorms is going?” jake asked heeseung who was busy fighting with ni-ki over his food.

“i’m just a few shifts away from getting enough money, i’ll ask y/n to become my roommate as soon as— what?” he noticed his friends looking at him.

“y/n and you? being roommates?” sunoo teased.

“hey, me and y/n spent all our childhood together, my house is her house and her house is mine, it has been like that for a while” heeseung sighed and they all nodded hesitatly.

“still, you said y/n’s parents told you about her not being able to pay for the uni dorms, are you really willing to pay it all?” jungwon asked.

heeseung shrugged and took a bite from his food again, “it’s either that or she’ll get kicked out by her parents”

“you really are her guardian angel” ni-ki whispered.

“good morning! you have afternoon classes today right?” your mother woke you up with a smile smeared all over her face.

“mhhm” you hummed, still trying to adjust the bright sunlight that hit your face.

“i need you to bring some medicine for ms lee! she’s been sick and i bought her some things” your mother helped you to get up and shoved you a bag, “here”

“can you please just let me get—“

“you can get ready at theirs! quickly quickly go!” she pushed you outside of your house. damn, she really does hope you’d get out as soon as possible.

she was right though, heeseung’s house is your house, and your house is his. you have a few clothes and even a toothbrush at his house and he has the same at yours, getting ready there was never a problem to you.

a walk to their house is even less than 5 minutes so you weren’t worried about someone from your neighborhood getting a jumpscare and thinking you’re some kind of a zombie.

you took out the keys and opened the door, heeseung was sitting in the kitchen and eating his breakfast.

“don’t ask, been a rough morning, where’s mom by the way?” you asked him and he pointed at her room. you got used to call his mom your mom too.

you saw her sleeping so you left the bag and the medicine next to her, leaving a note saying good morning and instructions of how to take the medicine, as if she doesn’t know all of that.

“you have afternoon classes too?” you asked heeseung while getting ready. he was in his room, lying on his bed while playing some games on his phone.

“not really, i don’t have any class today” he chuckled.

“since when don’t you have any classes today?”

“ever since i decided that im too tired to go to uni”

you rolled your eyes and threw one of the pillows at him, “don’t be stupid! get up and get ready to go!”

he giggled and shook his head, “i’m joking, i took evening classes for today”

you pressed your lips together and nodded, you don’t know why but hearing him giggling always made your heart skip a beat, but you don’t have any feelings for him, like, at all. right?

afternoon classes started and before you knew it, it was already lunch time.

“y/n! you won’t believe it!!” chaewon shout.

“what is it?” you shout at her back even though you were sitting right in front of her.

“i found you a solution! you can get a free dorm!” she shout back.

“what!” you shout.

“can you stop shouting! for god’s sake you’re literally a 1 cm away from each other” yunjin, who was covering her ears yelled.

you and chaewon shared an eye contact and froze. yunjin is so scary when she’s angry.

“continue please” she coughed and let chaewon continue what she had to say.

“it might seem crazy what i’m about to say,” chaewon sighed, “the uni is giving away free dorms—“

“no way omg omg omg please tell me i’m dreaming this is not happening right now right this is not real righ—“

“under one condition!” she cut you off and took her phone out of her pocket to read the terms.

“in order to get a free dorm, you have to have at least one option applied ;

one, you’re younger than 18. two, you’ve been scoring A+ on ALL of your exams and three, you’re between the ages 18-25 and got married, or engaged” she finished reading and turned off her phone.

“but chaewon, i’m not younger than eighteen” you complained and rest your head on your arm who was lying on the table.

“nor scoring A+ on ALL of your exams” yunjin added.

“thanks yunjin, i needed that”

“always here to help”

“then you know what’s left” chaewon smirked and you sat up, looking at her with innocent eyes.

“no” you let out.

“oh yes”

“i have no one to marry to” you argued.

“yes you do!” yunjin replied.

“i do not!”

chaewon and yunjin raised a brow and crossed their arms, “you don’t?”

as heeseung entered the uni entrance, you ran towards his direction and stopped in front of him.

“y/n why are you still here—“

“let’s get married” you said it out loud in front of everyone who was around.

your surroundings suddenly became quiet and everyone was staring at you two, starting to whisper and waiting for heeseung’s answer.

instead of answering he grabbed your wrist and dragged you out of the entrance into a place in the garden next to the uni.

the walk there was making you so nervous and anxious, what if you were a bit too much? asking your childhood friend to marry you just to get a free dorm? are you that desperate?

when he finally stopped, he let go of your wrist and cupped your cheeks, looking straight into your eyes.

“what did you say?” he asked, his eyes looking for any sign or answer from you.

“i said, let’s get married”

heeseung could’ve swore his heart skipped a beat because he for real felt like he died at that spot.

“let me explain!” you said before he could respond.

“the uni are giving out free dorms to anyone who’s between the ages of 18-25 and is married or engaged” you sighed.

heeseung let go of his hold and sighed, looking down and closing his eyes.

you really didn’t mean that genuinely, did you? something in him really hoped you did.

“hee?” you asked, biting your lower lips, suddenly feeling more anxious than before

“sure, let’s get married” he chuckled.

you broke your second main wish on your list.

heeseung was just a few shifts away from getting enough money to get the both of you a place to live in, he could have told you that too, but he chose not to.

only crazy people would agree to this idea, you were so desperate that you actually just asked him to marry you, and he guessed he was one of those crazy people, because he had no idea why he said yes.

he had other way, without marrying you, but something about the idea of marrying you made him feel excited.

“i knew it i knew it! only crazy people would agr— wait what” you blinked a few times after you realized his answer.

“i said sure, let’s get married” he smiled softly and you were about to faint.

“no feelings are involved….right?” you hesitantly asked him, hoping he wouldn’t agree with you.

instead, he nodded slowly and hesitantly, “no feelings involved”

you regretted that sentence so bad because the day after, when he kneeled on one knee and held a ring out for you in front of everyone and proposed to you, your couldn’t lie to yourself anymore, you actually broke your third wish on your list a few years ago, you were in love with lee heeseung for years.

“y/l/n y/n, i have loved you ever since i can remember, i watched you grow up and grew up with you as well, i got used to being with you 24/7, i can’t see the rest of my life without you in it, will you make me the happiest man alive and agree to marry me?”

even though it was an act(according to you), it felt so real to the point where you cried and sobbed so badly, while putting on the ring he bought for you less than 24 hours ago.

it wasnt planned. the proposal wasn’t planned at all.

the plan was that you and heeseung will go to the uni secretariat and request an application for the free dorm since both of you are engaged now.

heeseung had no reason to put on this whole show and show everyone that you’re now engaged. you have no idea why he did it, and instead of getting angry at him, you fell in love with him even more.

it felt wrong, it felt not right.

but you didn’t care, you always knew your feelings for heeseung were somewhere deep inside your heart. you tried to push them away all the time, because there was no way your childhood friend, the popular boy in your highschool, the kid who grew up with you, had feelings for you.

you tried to deny your feelings but now you realized thrre was no use anymore, so you let yourself love him as much as you can.

it wasn’t the desperation that lead you to ask him to marry you, because then you’d ask literally any other guy, it was your pure love to him, to the guy who was always there for you when you needed him.

“heeseung! explain what was that!” his six other friends gathered in a circle, surrounding him and not letting him go.

“what was wha—“

“you and y/n? married?” jungwon shout.

“have you gone crazy?” jake added.

“and she said yes! something is not right” jay joined.

“yesterday you told us you have no feelings for her!” sunoo remarked.

“you didn’t even believe us when we told you she’s obviously in love with you” sunghoon tsked.

“something isn’t sitting right to me” ni-ki gasped.

“explain now!” they all said at the same time.

“calm down!” heeseung coughed, “i’ll explain to you everything later”

by later he meant after classes, at his house, together with you and your friends yunjin and chaewon.

“yunjin, chaewon” heeseung nodded at your friends.

“lee heeseung” they glared at him.

“come on! both of you knew about it even before” you pleaded.

“doesn’t change the fact that he’ll be stealing you from us now” they rolled their eyes.

“i’m still so confused” ni-ki tried to quicken everyone and get to the point.

“me and y/n are getting married—“

“yeah no shit sherlock” sunghoon cute him off and heeseung glared at him.

“anyway, y/n would you like the explain why?” he turned to you and smiled.

“the uni is giving away free dorms to married couples between 18-25 so—“

“you decided to get married to get a free dorm” jay finished your sentence.

“have you gone mad? heeseung worked his ass to get enough money to get the dorms for the bo— mhhhhmmm!!!” sunoo roamed but jake covered his mouth before he could continue.

“sunoo!!” jake coughed and turned to you with a smile, “don’t mind him he’s been stressed from work and uni lately”

the rest of you giggled awkwardly and tried to ease the atmosphere.

after you yunjin and chaewon left, the boys stayed with heeseung, looking at him with concern.

“what?” heeseung looked at them back with his bambi eyes.

“i don’t know hee, it feels like….she’s kind of using you” sunghoon spoke, jay slapped his arm and he whined.

“he’s right though, marrying you only to get a dorm is quite crazy” jungwon nodded.

“he’s even crazier for actually agreeing to all of this” ni-ki said and jake shushed him.

“ni-ki is right, i am crazy, i have no idea why i said yes but she wasn’t forcing anything on me” heeseung shrugged, “besides, i’ve liked her for so many years so—“

“ah ha!! we knew it!” they all said at the same time and heeseung sighed. what have he got himself into?

after everyone left, heeseung texted you, asking you to meet him in your usual spot.

you got ready and for the first time, you took a while to do so.

you stared at yourself in the mirror a few times and even checked different outfits. this has never happened to you ever before, especially not when you knew that you’re going to see heeseung.

heeseung saw you at your worst, why are you dressing up for him now then?

“i must be crazy, crazy crazy!” you shook away your thoughts and got out to meet your soon-to-be-husband.

“hee!” you saw his back facing you and as soon as he turned around you froze.

did he dress up for you too? why does he look so breathtaking suddenly? his bambi eyes match the rest of his beautiful features on his face so much, you’ve seen this man grow up, you know every detail about his face and you couldn’t explain why it was so sudden that you got caught by surprise because of his beauties.

shaking away your thoughts, you walked closer to him and smiled.

“hey hubby” you grinned.

“hubby?” he asked.

“a new nickname for my soon-to-be-husband” you chuckled and he nodded.

“i actually thought about something,” he turned to you, “our parents will figure it out sooner or later, should we tell them the truth or—“

“no, let them believe we’re getting married without any reason other than being in love”

you have no idea why you just said that. but you hid your face as soon as you realized what just came out of your mouth.

heeseung felt too flattered and suddenly didn’t know what to say. you keep on making him speechless.

“ahem,” he cleared his throat, “you do know that they’ll probably rush out things and even take the wedding plan to their own hands“

i don’t care, i’d like to marry you and spend the rest of my life with you as soon as i can. is what you wanted to say, but you couldn’t bring yourself to do so.

“y/n?” he asked. he noticed you were too deep in thoughts and waited for you to come back to sense.

“i’m aware” you nodded, “i’ve also got a text from the uni, we’ll be getting our dorm in the next week, so we should start preparing”

heeseung nodded and looked at you. you were suddenly feeling so nervous and shy to share an eye contact with him, so you broke it as he just kept staring at you and taking in your beauty.

“hey y/n” he said, “hm?”

“i don’t mind marrying you and spending the rest of my life being married to you”

you looked over him and he had the genuinest smile you’ve ever seen.

it felt like the world had froze, and the snow that was falling suddenly stopped, it felt like it was just the two of you in this whole world.

“YOU’RE GETTING WHAT?” your mother yelled.

you and heeseung planned a dinner with both of your parents, to announce the big news.

things became quite awkward between the two of you, ever since your last encounter with him you could barely face him.

his sudden confession freaked you out and the only thing that came out of your mouth was “oh, okay” in the most dry way ever.

you wanted to tell him you feel the same, you wanted to tell him that you’ve been in love with him ever since forever. but one moment that caught you off guard ruined your chance.

you were stupid, stupid and idiot. heeseung probably thinks you hate his guts now.

heeseung in the meantime felt like he was breaking apart slowly. oh, okay?? that’s all you had to answer?

he felt dumb, he felt hopeless. the confession was completely out of the blue and unplanned, your beauty hypnotized him and he was so mesmerized by you that the words just came out of his mouth naturally.

what if you hate his guts now? what if he made you uncomfortable? what if you’ll regret it the last minute because you weren’t feeling the same about him?

all of those questions were eating him alive, and you didn’t help either. each time he came up to you, you were suddenly in rush and told him you have to go, it was breaking him inside slowly.

the dinner was one chance to finally talk with you again.

“married, mom. we’re getting married” you repeat what you already said a few seconds ago.

“when? where? how?” heeseung’s mother asked.

heeseung looked at you and smiled warmly, “it just happened, we’ve been together ever since childhood, it already felt like being in a relationship for so long, so we decided to marry each other” he chuckled and held your hand tightly, “to belong to each other until the day we die”

your parents looked at the both of you. you were sharing eye contact for so long, with heeseung smiling at you, looking deep into your eyes, and with you looking at him with nothing but pure love in your eyes that was making everyone in the room feel so jealous of you two.

“now kiss!” your mother said.

you and heeseung broke the eye contact and blinked a few times.

“what?” you asked.

“kiss then! i want to picture it and keep it in my photo gallery forever!” his mother added.

you were about to speak up until heeseung held your cheek to turn you to face him and it was only a matter of seconds until you felt his lips on yours.

it was your first kiss ever, your first time kissing someone, and it was his as well, but he lead you on so good that it made it look less awkward.

you were his first kiss. you, his childhood friend, stole his first kiss.

“we knew that it’ll happen one day!!” your mothers cheered, “we even have a whole wedding plan ready!!”

you and heeseung broke the kiss and shared an eye contact again.

you didn’t need to hear him say to know how much love he holds for you, and how he cherishes you so much.

and your eyes told him everything, they held the answers to all of the questions that bothered him. you love him as much as he loves you.

“i can’t believe you’re getting married, my little angels” your parents cried altogether which made heeseung let go of his hold on you and grab some tissues to wipe their tears.

“i love that ring by the way! heeseung you did a great job” your mother gave him thumbs up and he chuckled.

if only she knew that it was a ring he bought you in less than 24 hours and even rushed your friends to come with him and help him pick it only because he wanted his whole life to properly propose you.

it was a moving day already and your parents helped you pack every last thing, they even cried through the way, how could their princess leave them so fast?

“you can visit our house anytime!” you tried to comfort them.

“we’ll update you before that, we don’t want to catch you while doing the thing you know” your mother winked and you rolled your eyes, “mom!”

“i see you’re all packed and ready” heeseung came in to check on you.

“she is! take her away already!” your mother complained.

“not before you take this with you!” she went away for a few seconds and came back with a huge wrapped photo frame.

“don’t open it yet!! only when you get into your new house and get everything in place!!” she excitedly hugged the both of you and you nodded.

moving in was quite rough, you had a lot of boxes to unpack and organized, and you and heeseung never felt more awkward after the first kiss you shared.

you’ve barely spoke with each other and your friends were starting to get concerned.

“he told me he doesn’t mind marrying me and spending the rest of his life with me” you pout.

yunjin and chaewon shout and giggled, “girl! he’s more than in love with you!! he’s lovesick!!” they both said.

“what did you answer then?” yunjin asked.

“i told him okay” you smacked your head on the table.

“no way” chaewon gasped.

“yes way” you whined.

“you’re stupid!!” they both smacked you.

“then!!” you shout, “we had our first kiss on dinner in front of our parents” you whispered that part.

“what did you say? couldn’t hear you” chaewon said.

“oh she said that they shared their first kiss on dinner with their— YOU HAD YOUR FIRST KISS WITH HEESEUNG??” yunjin’s eyes widened.

“what happened after that?” chaewon asked curiously.

“we just finished dinner, and now we barely even talk” you sighed, “each time i see him i’m just blushing and running away, i can’t face him!”

“you have to!! you’re moving in soon!!” yunjin argued and chaewon nodded.

“it’ll be the death of me” you sobbed and they chuckled.

you were right at first, but slowly and surely heeseung made a joke and both of you got back to normal in no time, as if nothing happened between you two.

you even helped him organizing his closet and his room, and he did the same.

after a long day you and heeseung finally laid down on your now shared sofa.

“it’s been a rough day” you sighed.

“should we order something?” he suggested and you nodded immediately. you ended up ordering your favorite food.

“let’s open up the picture!!” you said and grabbed the picture your mom gave you earlier today.

you and heeseung both unwrapped it together and revealed an old picture of you and heeseung hugging each other with a huge smile on your faces.

“look at us then and look at us now” he giggled.

both of you hanged the picture right above your sofa and kept staring at it for a while.

“hey hee,” you spoke, “yeah?”

“i wouldn’t mind marrying you and spending the rest of my days with you too” you turned to him, “until the day i die”

“is that your way of telling me you love me too?” heeseung froze for a second. you caught him off guard for the countless time already.

although he understood very clearly your feelings after you shared your first kiss, hearing your words made his heart beat fast.

it was a confirmation for him that all of his feelings for you were actually mutual all this time.

instead of answering his questions you grabbed his shirt and kissed him.

he put his hands around your waist and pushed you closer to him, holding you tightly as if he’s too scared to let you go.

breaking off the kiss was hard, but the lack of oxygen was kicking in, you pressed your foreheads together, still with your eyes closed.

“does that answer your question?” you giggled and you felt him smiling.

“i don’t think so, i need a bit more of it to feel certain” he teased and you tsked.

“i don’t need to be in a relationship with you to feel certain about my feelings and my willingness to marry you, i want to spend my life with you, i love you” you said and pecked his lips.

“i love you too, y/n” he pecked your lips again and it suddenly got into a fight between you two about who pecks the other more, until it ended up in a long, deep kiss.

“so let me get this straight. you and heeseung had been in denial for many many years and manipulated yourself into thinking that you don’t like each other at all at all, then when y/n’s desperate and broke ass heard of a chance to get a free dorm by getting married, she went up to you, heeseung, and asked her to marry you, you agreed to the proposal because at one point you stopped lying to yourself and realized you’re actually lovesick, and the rest is history” ni-ki finally breathed out after almost rapping this whole story.

“by history i mean y/n waking up from her denial and realizing her feelings to you” he added.

“yes, exactly” heeseung nodded and you chuckled.

you were sitting together with your friends on one table, yunjin and chaewon who were already aware of the story added a few notes here and there as ni-ki summarized your whole story.

“this is a story to tell your children” jay smiled and the rest nodded.

“we’re not planning to get pregnant anytime soon, we didn’t even have a wedding yet” you sighed.

“you never know y/n, you never know!” sunoo slowly nodded.

“why did you say that as if you went through something familiar” jungwon teased.

“you never know y/n, you never know!” sunghoon mocked sunoo.

“that was a good one!” jake laughed with him.

“children, literal children who found themselves in uni somehow” you sighed.

“at this point we won’t even need to have any children when we have them” heeseung agreed with you.

“it doesn’t matter, as long as i’m with you” you smiled and pecked his lips.

“get a room you two will you!”

PERM TAG-LIST ; @sungwhoonz @ohdudehesflirting @unlikelysublimekryptonite @deobiis @manooffline @miumiuoi @in-somnias-world @lovelovelovebts @filmofhybe @wonbinsnovia @daegutowns @aurumiee @soobywon @dhriti-stories @ariadores @firstclassjaylee @watamotee33 @moons-v (bold means cannot be tagged)

••• copyright © srjlvr all rights are reserved.

[yourloanadvisors]

If you already have a significant amount of debt, the online approval process for your Personal Loan might be rejected. This is because the existence of multiple loans might lead the prospective lender to believe that you are carrying a significant credit burden. If you identify any gaps in meeting the necessary requirements, it’s best to work on enhancing them before applying.

[suugarbabe]

the 'anything but' party | m.r x reader

prompt: it’s a gryffindor (maybe) party but it’s acc a theme party. the theme is dressing up as another house and reader (not a slytherin) borrows some of the boys’ quidditch clothes (like a bomber jacket or a jersey) and theo/mattheo get super jealous even though reader and him aren’t together. but it’s like he’s been after her for the whole year but she likes to play hard bc he normally doesn’t have to make any effort to have whoever girl he wants at his feet, and she doesn’t want to be just another girl, if you get what i mean? so she just shows up wearing another guys’ name and he goes feral.

word count: 2.2k

warning: angst, smut, heavy smut, 18+ MDNI!!

You were okay with parties. You weren’t ever overly obsessed with them, but the party tonight you were particularly excited about. It was a theme party. The theme being any house but your house. Very typical of the Gryffindors to throw something that will likely cause absolute chaos, but you were here for it. 

You threw on the jersey you had borrowed from Enzo Berkshire. You had a few classes with him and was even partnered with him in potions last year. When you heard about the theme he was the first person you went to. You asked if you could borrow his jersey for the party and he was more than willing to loan it out to you. 

As you threw it on it fell to about mid thigh. You thanked Merlin for Enzo’s height because now you could just wear his jersey as a dress. You turned to Luna, who had borrowed a bomber jacket from Blaise, “How do I look Lunes?”

She tilted her head, smiling and clasping her hand together, “You look marvelous! I think it would’ve suited us well to be sorted in to Slytherin.” 

You laughed a little, “Yeah, I do quite like how I look in green.” Your thoughts drifted to another Slytherin that would be able to accommodate your new favorite color. 

“Thinking about Mattheo?” Luna’s voice cut into your internal monologue and your cheeks instantly flamed. 

You did your best not to stutter over your words, “I don’t, erm, I mean why do you ask?” 

In very Luna fashion, she made no comment about you being flustered, her voice fluttering out like a feather with simple observation, “I only ask because it’s obvious that he likes you very much. It’s quite sweet, really. Are you going to finally tell him that you like him as well?”

You couldn’t help but stare at her dumbfounded. You figured your constant rejections to Mattheo’s advances made it appear to everyone that you did not reciprocate his feelings. That wasn’t actually the case, but you wanted to make him work for it. 

Girls came far too easy for Mattheo, basically throwing themselves at him. It was vomit inducing to you at times, how blatantly obvious they would be and how he essentially cherry-picked whatever girl he was feeling that particular moment. 

You weren’t going to be one of those girls, you absolutely refused it. So when you first noticed Mattheo staring at you at the beginning of the year, you just rolled your eyes anytime they connected to his. 

The first time you did this, his eyebrows shot to the ceiling, not used to this type of response from a woman. When he tried to stop you after class, you quickly shot your hand up before he could even get a word out, “Not interested, Riddle.” 

He was met with a chorus of “ohhhh’s” from his friends, which likely died down quickly due to a glare or threat from the scorned man. He tried again after that…and just about every other day from that first moment you rejected him until this morning. 

You weren’t blind, you knew Mattheo was attractive. Hell, you’ve known since the bloody sorting ceremony in first year. But the way that all of the girls swooned over him, and how he so obviously ate it up, you vowed to never be that girl. 

So for the last six years, you never really paid him any mind. You knew he was there, you knew his reputation, but he never really consumed your thoughts. So when he started staring at you, then starting actually pursuing you, you couldn’t quite understand why your heart would beat faster, or get butterflies in your stomach. 

You had boyfriends throughout your school career, even dating the quidditch captain of your house, but something about Mattheo focusing solely on you like he has made your stomach flutter like no other guy you’d been with. You weren’t even with Mattheo, but him pursuing you essentially deterred any other guy from coming up to you. 

Finishing your hair and makeup, you and Luna joined a few other Ravenclaw’s and headed to the Gryffindor common room. Walking through the portrait hole you would think there was nothing going on, but as soon as you passed through the entryway you broke the silencing charm barrier and was assaulted with the sound of bass and smell of weed. 

You looked over at Luna, who took a deep inhale, “Don’t you just love that earthy smell?” You couldn’t help but laugh at her care-free spirit. “I’m gonna go get a drink, do you want one?” Luna nodded, telling you she was going to find Blaise and to look for her in the usual spot. 

Heading to the drink table you spotted Enzo who was adorning a Ravenclaw cardigan. You had a little skip in your step, sidling up next to him and grabbing cups for you and Luna, “Well hey there, looking dashing in blue and bronze.” 

He smirked at you, leaning against the table while you got yourself a drink, “Looks like you were sorted into the wrong house. Green definitely suits you.” You turned to him, a drink in each hand, “Thank you, Enzo.” 

He held an arm out, “Shall we? I’m assuming you're not doublefisting tonight and one of those is for Miss Lovegood?” You let out a laugh, nodding and following him to the back corner where his gang of miscreants resided. You both were simply walking next to each other. Your hands were full with both drinks and while he only had one his other hand was flailing around in the air as he recounted aspects of the last Slytherin quidditch game. 

So when you reached the group, you were surprised that Mattheo’s face was set in a scowl. You quirked an eyebrow when he finally met your eyes, which took a moment as his were apparently taking their sweet time scanning your body, his eyes rolled, scoffing slightly and leaning back on the couch. 

You decided to be bold tonight, Luna’s voice from earlier in the back of your head. You greeted the others, then went and sat down next to Mattheo. As soon as your ass hit the chair, Mattheo scooted a few inches away from you. You told yourself not to be hurt by this, but he had essentially been trying to be all over you for the last month and a half. 

“What’s wrong with you?” you turned to face him, one leg now on the couch, causing the jersey you had on the ride higher on your leg. Mattheo’s eyes cast down briefly, seeing more of your skin exposed before meeting your eyes again.

“What are you wearing?” His eye contact was intense, making you squirm a little. “It’s a theme party, I’m wearing Slytherin clothes.” He let out a huff of air through his nose. You narrowed your eyes at him now, asking him again, “What’s your problem?”

He pinched the number that laid just above your left breast, your breath getting caught in your throat with how close his hands were, “You’re wearing Enzo’s jersey.” You couldn’t quite place his tone but it sounded almost like…jealousy? This made you smirk a little and now the wheels in your mind were turning. 

You shrugged your shoulders, “I thought it looked cute.” Your hands caressing the side of your body to the hem of the jersey. You saw his eyes follow your hands as you roamed your body, now focused on where your hands played with the hem, “And it’s so long on me I didn’t even have to wear any panties.” 

You saw the clench in his jaw, and you’d be lying if you said the action didn’t send a searing heat through your body. You started to pull the jersey higher up your legs, just to tease him a little. His hand shot to your wrist, “Stop.” You smirked at him, “What’s wrong, Teo?”

The nickname was something new you were toying with and it seemed to have the effect you were looking for as the grip he had on your wrist tightened. He placed his other hand on your thigh, using it as leverage to lean closer to you. 

His lips ghosted the shell of your ear, goosebumps rising along your skin, “It’s gonna be really hard for me to fuck you with Berkshire’s jersey on.” Your cheeks immediately turned red. You turned your head, staring into his eyes, faces so close your noses are nearly brushing against one another. Your heart was beating out of your chest, you feared he could hear it over the bass of the music.

Your facade was failing, quickly. The desperation you were feeling was more extreme than you could control. “Kiss me,” you requested, eyes not leaving the brown ones you were gazing at. He laughs softly, smirk adorning his face as his eyes flicker down to your lips. 

Normally that type of cockiness from him would have you leaving Mattheo there hot and bothered but tonight you found yourself leaning towards him with just as much anticipation. His mouth slotted against yours, he tasted like cigarettes and firewhiskey. You latch onto him, fisting a handful of the hufflepuff cardigan he chose for the party. 

When you finally pull away, lungs burning for air you can’t help the smile that breaks out on your face. Mattheo’s lips were red and swollen. You look at him with big eyes, silently telling him you wanted more than was possible in the open common room. 

Mattheo glanced around, searching for a solution. He stood up quickly, grabbing your wrist and pulling you toward the stairs to the dorms. He led you down a hall, opening the first door he could find and pulling you in behind him. 

Before you could even glance around the room Mattheo had you pressed against the door. His arm circled your waist, sliding down the small of your back before grabbing a handful of your ass, his mouth attaching itself to your neck, sucking at biting at the soft skin there. The action had the most obscene noise leaving your throat.

His grip on your ass tightens, holding you flush against his body as he tucks a knee between your legs. You whine at the contact, the fabric of his trousers grazing against your bare clit. He braces himself with his free hand on the door, resting his forehead to yours, “Merlin, I’ve been wanting to make those noises leave that pretty mouth of yours all year.” 

You open your mouth to respond, fully prepped to give a witty retort when he pressed his leg against you again. A whimper leaves your throat this time and Mattheo looks cockier than you’ve ever seen him.

You gripped his forearm, “Teo…please.” You looked up at him through your lashes as his hand dipped under the jersey, fingertips feather light on your skin. “So needy, love. Had to wear someone else’s jersey just to get me riled up, hmm?” His head dips down, lips grazing the sensitive skin where your neck and collarbone meet. 

He bites you lightly, nipping and sucking at the skin there, surely leaving his mark in a place where it’d be hard for you to hide, claiming you as his. You’re basically grinding yourself on his leg now and Mattheo thinks he can cum from the sight of you using him for your own pleasure. 

“So wet, love, can feel you through my trousers,” Mattheo grabs your hips, stilling you against his leg emitting another whine from you. “You gonna be good f’me, love?” he was teasing you now, but that didn’t stop you from nodding pathetically. 

He dragged the material of the jersey over your hips, a gasp releasing itself from your lips as the air hits your bare center. Your teeth are sinking into your bottom lip and Mattheo drops to his knees. He puts one of your legs over his shoulder, your hand shooting to his shoulder to brace yourself as his tongue licks a stripe up your dripping cunt. 

A mewl spills from your mouth and you swear you can feel him smirk against you. Without warning he plunges two fingers deep inside you, your back arching off the door and into his touch. His free hand grabs your hip, stabilizing you against the door.

He flattens his tongue, dragging it from his fingers inside you back to your sensitive nub. Your other hand flies to his curls, fingers laced and pulling harshly. This only spurs him further, curling his fingers inside you. They rut against your g-spot, pressure building in your lower belly.

You thank Merlin for the loudness of the party because the sounds Mattheo was getting you to make were sinful. His lips are attached to your clit, mercilessly sucking and licking and humming against the bud. 

Your legs are trembling and Mattheo’s grip on your hip tightens, your vision begins to blank, mouth hanging open in a silent scream, you can’t even cry out, your mind dizzy with anything but the bliss that Mattheo is giving you between your legs as your tumbling over the edge.

He continues to eat you through your orgasm, overstimulating your clit as he slowly removes his fingers. “Fuck, Teo,” you breathe, trying to catch your breath as he lowers your leg from his shoulder. 

Mattheo stands, mouth attaching to yours immediately. You moan into his mouth, tasting yourself on his tongue. He trails kisses along your jaw, down your neck then up to your ear, “Now let’s get you out of this fucking jersey.”

[adelheidvonschicksal]

Hcs for Itadori x reader, who distances themselves from him and avoids him, because they have feelings for him and are scared, because they don't know how to behave around him and are scared of rejection please?

Itadori is the best person you know. He’s kind and empathetic, always willing to listen to others, and has this endearing positivity about most things. He may not be the brightest person but he’s quick to learn when given the chance. He’s also strong and handsome.

Likewise, people could list positives about you; but in this situation, when you think about what you have to offer in return, all the positives you’ve heard, you still can’t see what is so special about you that someone like him would accept your feelings. You feel inadequate.

You’re don't think you're pin-up model pretty like his posters, Itadori likes tall girls with big asses, he claims, and there’s nothing about his behavior that would insinuate that he likes your personality more than the rest of your friends.

You can’t take another day without telling him, feeling the need to scream out that you like the boy every time he gets too close, touches your arm too readily, calls out your name to back him up in whatever dumb arguments he would have with Kugisaki, or save you a seat right next to him.

You’re terrified that you might accidentally let it slip, and he’d reject you because there isn’t a good enough reason for him to like you as much as you like him. And if your words didn’t make him realize it then your actions would give it away eventually.

Fortunately, Itadori isn’t very perceptive when it comes to romantic feelings towards himself. What he can notice is when one of his friends seems troubled, and he can notice even more that he hasn’t been seeing you around as much lately.

He notices things like you don’t sit next to him anymore at meals, you don’t seem to want to hang out together as much (and when you do you always ask if the others coming too), or when he’s reading a good manga and wants to show you a panel you’re not there.

Itadori thinks he’s done something wrong to make you angry at him, and the guilt of not even knowing what he did wrong starts to preoccupy his mind. Maybe he took one too many snacks out your “secret” snack drawer (shit, did I forget to replace it?) or maybe you didn’t like the way he’d play with and squish your plushies when he’d hang out in your room (they never complained about it so how was I supposed to know!), or maybe you didn’t like his humor (But you laughed at his jokes a lot. But what if it was those awkward uncomfortable laughs and he didn’t notice!)

Itadori is pulling out his hair trying to figure it out. He considers you one of his best friends, and it’d be awkward to be classmates and work together if you hated him.

He gets all desperate about it, annoying Fushiguro and Kugisaki to help him figure out what he did so he can apologize already because every time he tries to ask you swear you’re not mad at him!

He wants to make up already and go back to arguing about stupid things instead, like whether purple or pink hair would suit you the best. He becomes hyper-aware of the pinch in his heart when he thinks about the two of you possibly matching and now you keep avoiding him.

Either Fushiguro or Kugisaki is going to try to force you to talk to him because the tension is getting annoying and a bit sad with how pouty Itadori gets and to tell him that you have a crush on him already. That you’re already pushing him away and losing him by hurting his feelings.

Before you can, Itadori is already onto his next move, buying anything to make up for what he thinks he did wrong: new snacks; new plushies; new novelty socks from when you loaned him a pair and they got ripped up during a mission; that hoodie of his you’re always complimenting? Yours, you can have it. He doesn’t even like hoodies anyway!

He’s going to show up at your dorm door, apologizing. He doesn’t know exactly what he did so he is going to simply apologize for everything. He really hates fighting with you because he really likes you, and it’s killing him not to have you like him, too.

You end up having to apologize to him and explain that you’re scared to be around him because you have feelings for him and didn’t want to be rejected, that you want to be friends with him even if he doesn’t have those feelings back for you, and you were afraid to lose him as a friend.

It takes him a minute to process everything you said. He’s trying to think of a world where he could ever reject you. You’re so pretty and talented and smart, and you did nothing but occupy his mind over the last couple of weeks and even before then he’d think about you a lot. You’re dazzling.

He explains all that to you so sincerely, with the smallest hint of shy embarrassment as he puts the words together, that it makes you feel stupid for even thinking he’d reject you and not realizing that he could hold the world with the amount of feelings he has for you.

Of course, you accept.

Itadori laughs and shuffles all the items he got for you: he guesses this means he prepared the s/o hoodie too early?

[kriti2024]

Personal loans are a popular financial tool for individuals seeking to cover expenses such as home renovations, medical bills, weddings, or debt consolidation. Despite their popularity, not everyone who applies for a personal loan gets approved. Various factors can lead to the rejection of a personal loan application. Understanding these reasons can help applicants improve their chances of approval in the future. This article explores the most common reasons for reasons for personal loan rejection

1. Poor Credit Score

A credit score is one of the most critical factors lenders consider when evaluating a loan application. It reflects an individual's creditworthiness based on their credit history. A low credit score can be a significant red flag for lenders, indicating a higher risk of default. Common reasons for a poor credit score include:

Late Payments: Frequent delays in paying credit card bills or loan EMIs can negatively impact your credit score.

High Credit Utilization: Using a significant portion of your available credit limit can indicate financial stress and lower your credit score.

Defaulting on Loans: Defaulting on previous loans severely damages your credit score.

Multiple Hard Inquiries: Applying for credit multiple times within a short period can reduce your credit score.

2. Insufficient Income

Lenders assess your income to determine whether you have the financial capacity to repay the loan. If your income is deemed insufficient relative to the loan amount requested, your application may be rejected. Factors that can influence this include:

Low Salary: A low monthly salary might not meet the minimum income criteria set by the lender.

Unstable Employment: Frequent job changes or employment in a high-risk industry can be viewed as unstable income sources.

3. High Debt-to-Income Ratio

The debt-to-income (DTI) ratio is a measure of your total monthly debt payments compared to your gross monthly income. A high DTI ratio indicates that a significant portion of your income is already committed to debt repayment, leaving little room for additional loan repayments. Lenders prefer applicants with a lower DTI ratio as it suggests better financial health and repayment capacity.

4. Incomplete or Inaccurate Application

Submitting an incomplete or inaccurate loan application can lead to rejection. Common mistakes include:

Missing Documents: Failing to provide necessary documents such as income proof, identity proof, or address proof.

Incorrect Information: Providing incorrect details about your employment, income, or personal information can raise red flags.

Unsigned Application: Forgetting to sign the application form can result in automatic rejection.

5. Employment History

Lenders prefer borrowers with a stable employment history. If you have been frequently changing jobs or have long gaps in your employment, it can negatively impact your loan application. Self-employed individuals may also face challenges if their income is not consistent or well-documented.

6. Existing Loans and Credit Utilization

Having multiple existing loans or high credit card balances can make lenders wary of your ability to take on additional debt. High credit utilization – the ratio of your current credit card debt to your credit limit – can also signal financial overextension. Lenders prefer applicants who use less than 30% of their available credit limit.

7. Lack of Credit History

A limited or non-existent credit history can be as problematic as a poor credit score. Lenders rely on your credit history to gauge your repayment behavior. If you have never taken a loan or used a credit card, lenders may have insufficient information to assess your creditworthiness.

8. Age and Residency Status

Some lenders have specific age and residency requirements. For instance, applicants below a certain age or above a particular age limit might face rejection. Non-residents or individuals without permanent residency status may also find it challenging to get approved for a personal loan.

9. Applying for a Large Loan Amount

Applying for a loan amount that is disproportionately large compared to your income or credit profile can lead to rejection. Lenders assess whether you can realistically repay the loan without financial strain. A high loan amount might raise concerns about your ability to meet the repayment obligations.

10. Purpose of the Loan

Lenders may inquire about the purpose of the loan, and certain uses might not align with their lending policies. For example, if the loan is intended for speculative investments or other high-risk activities, the lender might reject the application.

How to Improve Your Chances of Approval

If your personal loan application has been rejected, consider the following steps to improve your chances of approval in the future:

Improve Your Credit Score: Pay your bills on time, reduce your credit card balances, and avoid applying for multiple loans or credit cards simultaneously.

Increase Your Income: Explore ways to increase your income, such as taking on a part-time job or freelancing.

Reduce Your Debt: Pay off existing debts to lower your debt-to-income ratio.

Review Your Application: Ensure all information provided is accurate and complete. Double-check that all required documents are submitted.

Build Credit History: If you lack a credit history, consider applying for a secured credit card or a small loan to build your credit profile.

Seek Professional Advice: Consult with a financial advisor or credit counselor to better understand your financial situation and get personalized advice.

Conclusion

Understanding the reasons behind personal loan rejection reasons can help you take proactive steps to improve your financial profile and increase your chances of loan approval. By maintaining a good credit score, ensuring stable income, managing existing debts, and submitting accurate applications, you can enhance your financial health and secure the loan you need.

Taking these measures not only improves your chances of getting a personal loan but also contributes to overall financial stability and growth. Remember, a rejected loan application is not the end of the road; it's an opportunity to reassess and improve your financial habits.

[heavenlymorals]

Biblical References in the RDR Games: Part 2

You guys seemed to LOVE my original biblical references post for Red Dead so I am here to post some more because there are SO MANY. And like before, I am aware that some of these may be complete reaches, but it's my blog and I do what I want 🙃

Enjoy babes ❤️

@headersandheelers @secretcheesecakenacho Since you guys wanted to get tagged ❤️🤭

Arthur and Dutch mirror Moses and Pharaoh in chapter six. Arthur begs Dutch to let his "chosen" go, who are the people who he believes have a chance in living without the baggage of the gang (the women and John and his family). Dutch refuses to let them go, which creates the biggest conflict in chapter 6.

Arthur kicking out Strauss gives me heavy Matthew 21:12-14. Basically, Jesus kicks out loan sharks and sellers from a temple designated as a house of worship where people can be helped. Their presence destroyed the sanctity and the purity of the temple. Both the gang and the temple existed originally to help folks, but the presence of people like loan sharks destroy that original mission. So yes, Arthur kicking out Strauss is a parallel to Jesus kicking out the loan sharks from the temple.

The color for high honor is blue while the color for low honor is red. Blue in the bible is very often associated with heaven and God. Red in the bible represents the flesh that humans are trapped in during their time on earth, which can then correlate back to sin and violent.

Micah was a prophet in the bible who is most known for predicting the fall Jerusalem. Micah in the game also predicts the fall of the gang in the sense that he was the one who caused it. The name Micah also means he who is like God, so the irony is kinda funny.

John being able to see the cracks in the gang before many of the other characters could very well be a reference to this passage: "For you will know the Truth and the Truth will set you Free" - John 8:32. Abigail in RDR also says this which is a reference to this passage: "You knew the truth, John. And they hated you for it."

Just another passage that reminds of Arthur's redemption and the whole searching for peace thing: "Turn away from evil and do good. Search for peace, and work to maintain it" Psalm 34:14

The mission "A Fisher of Men" is a reference to Matthew 4:18-20. "While walking by the Sea of Galilee, he saw two brothers, Simon (who is called Peter) and Andrew his brother, casting a net into the sea, for they were fishermen. And he said to them, “Follow me, and I will make you fishers of men.” Immediately they left their nets and followed him." Of course, beyond just the action of fishing with Jack, this is also a parallel to Arthur's empathetic yet still firm style of talking to Jack. "It's about time you earned your keep." "You got to stick at things, Jack."

The mission "The Sheep and the Goats." In Matthew 25:31-46, it describes how God will separate people in two groups. The "sheep" will inherit heaven and the "goats" will be damned. You can connect that to the gang as well. The sheep are the ones who leave Dutch while the goats stay with him and become damned or a shameful version of who they once were.

Also note in the epilogue how John says he doesn't like goats and chooses sheep as the first animals to raise on his ranch. That could also connect to Matthew 25:31-46.

The mission name "Do Not Seek Absolution" is really interesting to me because it's the first biblical mission name that could either be a reference to scripture, which I'm thinking Deuteronomy 12:13 in the sense that one shouldn't offer their praise or worship to false gods who won't answer prayers (think Arthur and Dutch and how Arthur was still following Dutch after the gang lost it's original image) or a rejection ofa the Christian mindset of the time. Absolution is the idea of the promise of having your sins forgiven by God. It might be saying that Arthur should try to redeem himself by his action towards the person rather than his guilt towards a higher power.

Molly getting burnt rather than having a funeral is less a biblical detail but more a cultural detail. Though cremation wasn't really condemned in the Bible, the passages about being buried in the ground or in tombs was the people's standards in how they wanted their dead body to be handled due to religious reasoning. Whether or not Molly is Protestant or culturally Catholic (I lean the latter), the fact that Grimshaw asks for her body to be burnt just adds so much more weight to how cruelly traitors of the gang were dealt with

Love this stuff sm