Can I apply if I have bad credit?

Absolutely. We don't assess your application solely on your credit score. When you apply, we'll ask you to connect to your main bank so we can get a full picture of your income and outgoings. This way we can assess your application fairly.

When we assess your application we look at such things as:

• Your employment status and income

• How much debt you have in relation to your income

• If you're making payments to debt collectors or in a debt management plan

• If you're behind in your bill and loan payments

Please note we will not approve your application if any of the following are registered against you:

• An active County Court Judgement (CCJ)

• An active Individual Voluntary Arrangement (IVA)

• Recent default, insolvency or bankruptcy

Reach out to us if you have a question. And don't be afraid to seek independent advice before applying to us (or any lender for that matter). For independent advice on debt management, we recommend talking to Step Change.

*Additional soft credit checks may be done every 6 months.