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Can I apply if I have bad credit?
Can I apply if I have bad credit?
Stephanie avatar
Written by Stephanie
Updated over a week ago

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 few months.

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