Our loan application process is designed to give you the best possible chance of being approved.
As part of the process (which takes between 7 and 10 days), our team will aim to get a full picture of your financial situation, before making a considered decision about whether we can offer you a loan.
The process consists of the following key steps.
Online Application Form
The online application will take roughly 15 minutes. As part of the process, we will ask for some information about your address history, your employment situation, and your current household income & expenditure.
We’ll also ask you for copies of your recent bank statements and payslips or other proof of income. It will speed things up if you have these ready, but if not, don’t worry—we will email you with a link to upload them later.
After we receive your application, our team will look through all the information you have provided to decide if we can offer you a loan.
As part of this, we will check your bank statements to make sure that the repayments are affordable—this is to protect us both, by making sure we only lend you what you can comfortably afford to repay.
This process should take 7-10 days, and we’ll send you daily text updates so you know what’s going on, and in case we have any questions.
Offer & Agreement
Once our Loan Team has made a decision, we’ll let you know by email, letting you know how much we can offer you, the interest rate, and the amount you’ll repay each month.
Often, we’ll be able to offer you the full amount you applied for, but sometimes, it may be less. If you are happy to accept our offer, we’ll email you with a digital copy of your Loan Agreement, for you to read and sign.
Once you return the Loan Agreement, the money should be in your account in 1-2 working days.
We will take care of the rest, and, if applicable, arrange with your employer for your agreed repayments to be deducted from your pay each month.