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Will you credit check me?

Unlike banks, we do not base our lending decisions on a credit score. However, if you apply for a loan with us, we will run credit checks to confirm that you're not currently bankrupt or on an IVA. We also check that your guarantor hasn't had trouble paying bills in the past.

We run a full credit check on the borrower once they have signed their Credit Agreement. However, we use a credit quotation search to look at the guarantor's credit file. This type of search will not affect the guarantor's credit score.

If you borrow from us, you could improve your credit history. Every time you pay us in full and on time, we tell the credit reference agencies to record the payment on your credit file. The more payments you make, the better your credit history could become.

However, if the account falls a full payment behind by 7 days, we'll report this to the credit reference agencies. This may have a negative impact on your credit rating and make it more difficult to obtain credit in the future.

Representative 49.9% APR (variable)