As part of the application process, we will ask you to provide evidence of your income and spending. We will also run a 'soft' credit check to verify your identity.

We may take other factors into account. This could include your history of saving or borrowing. We may also look for any evidence of risky or addictive behaviours which could affect your ability to repay. 

This enables us to ensure that the repayments will be affordable for you, and that it is safe for us to lend to you.