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Why was my credit application rejected?

Credit 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 a regular income or if you do, it may not be sufficient to reliably meet credit obligations.
  • 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 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. Also, having little or no previous credit experience, may have a detrimental impact as well.
  • 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.