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

If you're making payments to a debt management plan provider or a debt collector, we urge you to review your priorities and seek independent advice before applying. As a responsible lender, we take such payments into account when we assess your application. For independent advice, we recommend talking to Step Change.

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
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