Why was my credit application rejected?
Credit applications can be rejected for a number of reasons, depending on your individual circumstances. If your application was declined, it's possible that:
- You don't have a regular income or if you do, you aren't paid the same amount or frequency, which may not allow it to be fully included in our calculations.
- You aren't employed or we can't verify that your income is paid regularly. Or you didn't link all accounts where you receive income.
- We've checked what you reasonably can afford, based on your income and outgoings (bills or rent) and existing financial debts, such as other credit obligations.
- You're included in the FICP database, due to arrears or missed repayments in previous loans.
- You've been recently rejected from a previous application with us and your personal circumstances haven't significantly changed.
- You aren't meeting our eligibility criteria for age, nationality, address, and more. You can check them here.