Why was my Pay Later application rejected?
Pay Later applications can be rejected for various reasons, depending on your individual circumstances. If your application was declined, it's possible that:
- You don't have regular income or if you do, you aren't being paid a consistent 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, outgoings, such as bills or rent, and existing financial debts, such as other credit obligations.
- You don't have a good credit history, even if your income is high. This is normally tracked by checking your credit score and any negative financial history you may have. Having little or no previous credit experience, may also have a detrimental impact.
- 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, or other factors. You can check them here.