Things that may affect our decision

What we check when you apply

• Can you afford the loan payments?

• Are you keeping up with your other bills?

• If you are under DRO/IVA or a debt management plan

• If you have a history of not paying credit back

We may say no or ask for more information if we see:

• Unauthorised overdrafts

• Payments that didn’t go through

• No income on the bank account you sent us

• A lot of gambling

• Lots of new loans

• Loan defaults in the last 6 months

• More money left over than expected (our loan might not be the best fit)

• You’re in a debt plan like a DMP, IVA or DRO

Even if we can’t help you right now, your situation might change, and you can apply again in the future.