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How does Revolut decide whether to offer me credit?

The credit application acceptance or denial is, in most cases, an automated decision based on a set of rules our credit experts have defined.

The decision takes into account the information you provide in the 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 your credit history and income stability, and only do so with your consent.