Do You Carry Out Credit Checks?

Yes.

As part of your application, we'll carry out a credit search and may also complete identity and fraud prevention checks.

However, we don't rely on a single credit score when making our decision.

Instead, we look at a range of information to understand how you're managing your finances and whether the loan is right for you.

Why Do You Carry Out These Checks?

We're authorised and regulated by the Financial Conduct Authority (FCA) and have a responsibility to lend responsibly.

These checks help us make sure that:

• The loan is affordable for you.

• The repayments fit within your budget.

• We only lend where it's appropriate to do so.

Our goal is to provide affordable, flexible credit that supports our customers without putting them under unnecessary financial pressure.