Track your application, check your eligibility, or see how our credit checks work.
Once you've completed your application, you can track its status 24/7.Track application
Thinking of applying for a loan? Here's what you need to know about eligibility, credit checks and how long the application process takes.
Before you apply, make sure you've got all of this information to hand:
If you have all the above information to hand, the application should take you about 10 minutes.
We'll typically let you know if your application's successful within 24 hours, if you’ve applied on a business day. On occasion, we may need to refer your application to our specialist team of loan underwriters. If this is the case, we will usually come back with a decision within two business days.
We will be in touch within 5 working days with a decision about your loan application.
If you haven't been approved for a loan, you'll have a note placed on your account to say that your application has been submitted and declined.
If you have been unsuccessful for a loan it can have a negative effect on your credit rating, especially if it happens more than once. If you've been declined, applying for the same loan again will definitely affect your credit rating. Remember, all applications (whether positive or negative) will show up on your credit file.
You can improve your credit score by registering to vote, and ensuring you pay your credit payments on time.
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