As a responsible lender we undertake affordability and credit checks to help us assess if you can manage the financial commitment.
When you apply, we will ask your permission to approach a credit reference agency (CRA) for a complete search of your credit report, referred to as a hard credit check. We use this data together with details you provide and information we may hold to assess your application.
Each hard check is recorded on your report, so any organisation searching it will be able to see that you’ve applied for credit.
If you want to check your eligibility, we work with a credit reference agency (CRA) to do a pre-application check of your credit record, called a soft search.
You’ll be able to see the search on your credit file, but it won’t show up to other organisations. This means there is no impact to your credit rating and ability to borrow money.