Eligibility

Can I apply?

Our basic eligibility criteria — check before you apply. All rates shown are representative. Final terms confirmed at the point of application.

UK resident

You must live in the United Kingdom. We cannot lend to applicants outside the UK.

Aged 18 or over

You must be at least 18 years old on the date of your application.

Regular income

We accept employed, self-employed, and benefit income. We assess affordability based on your income and outgoings.

UK bank account

You need an active UK current account with a direct debit facility to receive funds and make repayments.

Contact details

A valid UK mobile number and email address are required — we use these to keep you updated on your application.

No active bankruptcy

We cannot lend to anyone currently bankrupt or subject to a Debt Relief Order (DRO), IVA or sequestration.

Affordability must be met

We are required to check that repayments are affordable. If a loan would cause serious financial difficulty we will not offer it.

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30-second check

Quick eligibility self-check

Four quick questions for an instant guide. You don’t enter any details, there’s no credit check, and it has no impact on your score.

1. Are you a UK resident aged 18 or over?
2. Do you have a regular source of income?
3. Do you have a UK bank account and debit card?
4. Are you free from active bankruptcy, an IVA, or a recent default?

This self-check is a guide only and is not a credit decision or an offer of credit. Final eligibility and your rate are confirmed when you apply, subject to status and affordability.

Soft search — zero impact on your credit score

When you request a quote, we run a soft credit search only. This is invisible to other lenders and does not affect your credit score. A hard (full) credit check is only carried out once you choose to accept your personalised offer and formally apply. You stay in control.

How we assess your application

We use automated decisioning that looks at your:

  • Credit history (hard check on full application only)
  • Income and regular outgoings — including existing debt commitments
  • Loan amount and term vs. your repayment capacity
  • Affordability under stress scenarios (rate rises, income changes)

We are responsible lenders. If our assessment shows the loan would be unaffordable, we will decline — and may suggest free debt advice services instead.

Lending decisions

What affects your application

Helps your application

  • Regular, stable income over several months
  • Low existing credit commitments vs income
  • No recent missed payments or defaults
  • Long-standing bank account
  • Asking for a proportionate amount vs income

May reduce your chances

  • Recent county court judgements (CCJs)
  • Active IVA or debt management plan
  • Several recent credit applications
  • High credit utilisation (near your limits)
  • Repayments that would exceed a safe share of net income

Every application is assessed individually. A declined application now doesn’t mean declined forever — circumstances change.

Questions

Eligibility FAQ

We consider each application on its own merits, including your current income and affordability — not just a credit score. If your credit history is imperfect but your income is stable and the loan is affordable, you may still be eligible. Our soft search at quote stage means checking won't affect your credit file.

Yes — we accept benefit income including Universal Credit, PIP, ESA and others. What matters is that repayments are affordable and sustainable given your full income and outgoings. We assess this on every application.

Yes. Self-employed applicants can apply. You'll need to provide details of your typical monthly income. We may request additional verification for Plus-tier applications where the income picture is complex.

If we can't offer you a loan, we'll let you know. We won't always be able to give full reasons, but we will signpost you to free debt advice services if you're in financial difficulty. A declined application now is not permanent — your circumstances may change.

We ask that you wait at least 30 days before reapplying. Multiple applications in quick succession can negatively affect your credit file and don't change the underlying assessment. If your circumstances have genuinely changed (new job, debt cleared), that's a good reason to try again.

The quote check uses a soft search only — this is invisible to other lenders and has no impact on your credit score. A full (hard) search is only done if you formally accept an offer and complete the application. We'll always tell you before we run a hard search.

Ready to check?

Soft search — zero credit score impact at quote stage.

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