Need a hand?

Loan applications can be declined for a number of reasons depending on our internal lending policies and your individual circumstances. This may include your income, expenses, credit score, or failure to meet our eligibility criteria.

We're unable to provide specific reasons as to why an application was declined. We follow a set of guidelines to ensure responsible lending according to local regulations, but we can't disclose which rule applies to each rejected case.

If your application was declined, our Customer Support agents won't be able to provide further details of why it was rejected beyond the reason you were given, or accept additional documentation.

• We couldn't confirm employment and/or steady income payments
• Your income doesn't comfortably manage your loan obligations
• Your credit history is not acceptable
• You don't meet our basic eligibility criteria for income, age, residency status, etc.

If you think something is wrong with the credit eligibility information held by us, you can read our Credit Reporting Policy, which explains how to access and correct your credit eligibility information.

You also have the right to access your credit reporting information without charge within 3 months of your loan being declined, and can do so by contacting Illion.

If your application was declined, we don't recommend applying again unless your circumstances have changed or the previous application information was incorrect.

If you've corrected your previous information, allow at least 48 hours for the system to update it before submitting a new application.

We have a limit of failed application attempts, after which your applications might be automatically rejected. Therefore, if you apply and get rejected more than once, we recommend waiting at least 30 days before applying again.