We do carry out credit searches—but we don’t rely on generic credit scores. Instead, we focus on how you’re repaying things right now. We might also run identity checks.
To give you the best chance of being accepted, we may ask you to share your open banking data. Sounds scary, but it’s not. It just helps us understand your financial situation better—and our numbers show it actually improves your chances of getting a “yes” from us.
Want to test the waters first? You can use our loan calculator—it will show you how much you can borrow and repayment rates, it won’t leave a mark on your credit file. Think of it as window shopping for loans.
See our privacy policy for more details.