What checks are done for loan applications?

To assess you for a loan application, we run a number of checks, including:

  • Credit score check – we always check credit scores and use this to make our decision on your loan.
  • Employment check – we only lend to people in employment.
  • Affordability stress test – we look at what you want to borrow with what you can afford to repay.

We also offer a flexible repayment plan, allowing you to pay back your loan in easy repayments rather than one lump sum.