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Can I reapply if my credit application was declined?

You can submit a credit application anytime and as many times as you want. However, if your personal circumstances (such as your income or obligations) haven't changed drastically since your last decline, the outcome of your application is likely to be the same.

Also, before reapplying, we'd recommend you first review the decline reason we provided you in-app. For example, if your application was unsuccessful due to low income/insufficient income, please check that you have correctly linked all the accounts where you receive your income. If you believe you have done so and your income hasn't changed since, it's unlikely the outcome will be different if you reapply.