How does Revolut decide whether to offer me credit?

Loan application acceptance is a decision based on a set of rules to calculate your creditworthiness.

The decision takes into account the information you provide in the loan application, as well as external sources we may consult to ensure your requested loan is adequate for you.

We'll inform you of which sources we plan to consult, such as credit bureau and income information, and will only do so with your consent.