How we decide

We want to be sure you can afford the loan. We are a Responsible Lender, which means we check to make sure the payments won't cause you money stress.

• Credit Checks: We do look at your credit, but we care more about how you pay your bills now. If you are currently struggling with debt, it may be hard to borrow.
• Bank Statements: Sometimes we will ask to see your bank statements to check that the loan is affordable for you.
  
  
• National Insurance: We use this to confirm who you are, just like a bank would.