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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.
• 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.