Need a hand?

Loan applications can be declined for a number of reasons depending on our internal lending policies and your individual circumstances. This may include your income, expenses, credit score, or failure to meet our eligibility criteria.

We're unable to provide specific reasons as to why an application was declined. We follow a set of guidelines to ensure responsible lending according to local regulations, but we can't disclose which rule applies to each rejected case.

If your application was declined, our Customer Support agents won't be able to provide further details of why it was rejected, or accept additional documentation. If you need to correct information provided or your conditions change, you have to submit a new application.

• You're either unemployed and/or we couldn’t confirm regular income payments
• You don't have a steady income, or if you do, it isn't sufficient to comfortably cover the loan payments along with your other expenses and financial obligations

• You don’t meet our basic eligibility criteria (age, local phone number linked to your Revolut account, permanently resident in the country of application, etc.). To learn more, visit this FAQ about eligibility

• Your application is rejected based on information from the Bank of Portugal's Credit Bureau, namely your aggregated credit information that impacts your affordability and creditworthiness. In this case, we'll send you an email explaining the reason. More details can be found in the official website

If your application was declined, we don't recommend applying again unless your circumstances have changed or the previous application information was incorrect.

If you've corrected your previous information, allow at least 48 hours for the system to update it before submitting a new application.

We have a limit of failed application attempts, after which your applications might be automatically rejected. Therefore, if you apply and get rejected more than once, we recommend waiting at least 30 days before applying again.