Responsible lending
As a responsible lender we need to check your identity and that you can afford the repayments. To do this we…
- Carry out an ID check (not a credit check and no footprint is left on any file)
- Check you have a valid UK bank account and debit / credit card
- Check you aren’t currently Bankrupt, in an IVA or in a Debt Management Plan
- Check you aren’t on any Fraud or Money Laundering Lists
- Check you have a valid telephone number and email address
- Request you disclose your income and employment status to us
That’s it. We provide you with an opportunity to improve your credit rating by reporting your payment history to the major credit referencing agencies, but we do not consult them as part of your application.
PLEASE DO NOT ENTER INTO AN AGREEMENT YOU CANNOT AFFORD!
Please note; we cannot provide you with credit if you are currently bankrupt (discharged bankrupt OK), in an IVA or Debt Management Plan. Sorry!
