How applying affects your credit score

Since August 2021, we’ve used ‘soft’ credit searches for all our loan and overdraft applications.

A soft search allows us to assess your eligibility without leaving a mark on your credit file. This means that if you apply for a loan or overdraft with us and your application isn’t accepted, it won’t affect your credit score or be visible to other lenders.

You can apply with confidence, knowing there’s no risk to your credit rating. Whether or not we’re able to offer you a loan, there will be no negative impact on your credit file from simply applying.

This approach helps you explore your options safely, especially if you're still deciding what’s right for you. And if your financial situation changes later, you’re welcome to apply again.

If you have any questions about your application or credit file, our team is happy to help.