Apply online for a personal loan or call us on 0800 299 399
Apply online for a personal loan or call us on 0800 299 399

Credit Criteria

The flexible criteria we use to assess your application is generally more favourable than main stream banks. We verify all information provided in loan applications to ensure accurate details have been provided.

The decisions we make are based on the following key criteria:

Capacity - The ability to repay the loan and existing outgoings

Income - A consistent, stable and proven income is desirable

Security - Providing security can help you borrow a larger amount and can help reduce the interest rate we offer

Credit History - Good, proven credit experience is required or a Guarantor who has this proven track record

What's a Guarantor? - A Guarantor is someone that agrees to help pay your loan repayments if you fall into difficulty. For more information visit the Banking Ombudsmen Scheme website

No Finance Defaults - No recent payment or loan defaults to other financial institutions

We will assess the above attributes before approving any application for credit. We do this by verifying income, residential address, valuing security, and accessing your credit history.

If your application is not approved we can let you know what you need to do over a period of time to improve the likelihood of obtaining credit in the future.


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