When you submit your application, our team will carry out some initial checks. This includes looking at salary and spending details to see if repayments are affordable.


If you pass these checks, and you have not had a loan from us in the past, we will then run an online credit check. This allows us to see if you have had difficulties in the past, and whether you have other commitments we need to be aware of. 


The credit check will be leave a mark (known as a 'footprint') on your credit file, as well as a record of whether the application is successful. If you apply for credit several times over a short period without success, some providers may see this as a sign of financial difficulty. This may make them less likely to approve you themselves.