Applying for a Loan

Am I eligible to apply? What information do I need for my application?

To apply, you must:

  • Have a valid UK bank account
  • Be employed
  • Be a resident of the UK
  • Be at least 18 years old

When applying you'll also need to provide the following information:

  • Employment details
  • Bank account details
  • Income and outgoings/expenses
  • Other Personal Information

Can I apply if I have less-than-perfect credit?

Yes. Less-than-perfect credit does not necessarily prevent you from qualifying for a loan. We recognise that a credit score may take time to repair, even when you have been working diligently to erase past mistakes. Our carefully selected panel of lenders use a variety of criteria to evaluate each customer, including their credit score and recent borrowing history. If you've had trouble with credit in the past but have worked hard to improve your score, lenders may be able to approve you for a loan.

Will I need to submit any extra paperwork?

In most cases, lenders will be able to make a loan decision without additional paperwork. However, there are some instances where some additional information regarding your income and employment is required.

Why do I need to provide proof of income?

For some applicants, lenders may need to verify income. To help process your loan, lenders may require a recent wage slip or equivalent income statement dated within the last 30 days.

Why was my application declined?

There are several factors that lenders use to evaluate your application, including but not limited to: an applicant's past borrowing history, credit report, identity verification, number of outstanding loans, income and existing financial commitments, as well as the validation of application details. If an applicant does not meet all or some of the lending criteria for each of the above items, lenders may decide not to approve their application.

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