Have we asked you to send in confirmation of your income? Read on to learn why we’re asking, what we need to see, and how to send it.
Why we’re asking for your income
If we’ve asked to see proof of your income, it’s because we haven’t been able to confirm the minimum amount you receive each month.
That doesn’t mean you’ve done anything incorrectly (so don’t panic!) - it just means our online checks couldn’t verify the figure. Sending us a document that confirms your income can quickly fix that. And that means we can be sure the loan is suitable.
In short, we like to have your back.
Which documents should you send?
Depending on what income you receive, the document you send us will be different.
Either way, just make sure it has your full name (so we know it’s your income) and is dated in the last 100 days.
- Wages (payslip) - If you need to verify your wages, a payslip is the best document to send us. Your employer is required to give you a payslip or wage slip each time you get paid, and it should have all the information we need. When sending a payslip, make sure it clearly shows your Net Pay (after tax and anything else has been deducted).
- Benefits (DWP letter or statement) - If you receive benefits or Universal Credits, a DWP letter or statement is ideal as it should contain the exact payments you receive and the dates you receive them.
- Pension (pension statement) - For a pension, a pension statement should have all the information we need.
- Self-employed (invoice) - If you’re self-employed, we can accept an invoice provided it also includes your company name.
If you don’t receive your income monthly (such as weekly or fortnightly), we’ll also need at least two examples of your income. For example, if you’re paid weekly and send us a payslip, we’ll need to see two payslips each dated a week apart. Otherwise, we won’t be able to confirm how often you get paid.
Anything else? Sending a bank statement
If none of these are suitable, you can also send us a bank statement. The best (and easiest) way to send this is by downloading a PDF statement from your online banking.
Here’s some quick guides on how to download a PDF bank statement from each of the main banks’ online banking services. Just click on the bank’s name and follow the simple instructions:
How to send it to us
Once you have your document, you’re ready to send it - and don’t worry, we’ve made this incredibly easy.
The best way is to use our document portal, which looks like this:
If we’ve asked you to send us a file, we should have given you a link to the document portal already. It’s simple to use - just attach your documents by clicking on the box that says ‘Choose files’ and then click ‘Upload’.
We’ll do the rest from there or get back in touch if there’s any issues - not that there should be any!
Emailing your documents
If you’re unable to use the document portal for any reason, you can also send your documents by email.
Attach your files to an email and send it to [email protected] We should be able to link the email to your account automatically but it’s best to include your name, account number, and address just in case (this can speed things up).
Have you been asked to send any documents other than proof of your income? You can check out our full guide for sending documents (whether that’s ID, proof of your address, or anything at all) by clicking here.
Otherwise, we also have a guide on our full application process over here!