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If I'm not approved for a loan, can I find out why my application was declined?

We consider many factors when deciding whether or not to approve your loan request. If information we receive from a credit reference agency is a factor in denying your application, we'll let you know the name of the credit reference agency by email, so you can check your credit file with them if you wish. Unfortunately, our Customer Service representatives don't have access to why a particular application is declined.

You can read more about that process on our How It Works page or you can get started with our loan application process.


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Representative

1272% APR

Learn more about the cost of your loan, default charges, risks and prepayments.

Responsible Lending: Carefully consider whether a loan is right for your individual financial situation. Borrowing of this type is an expensive form of credit that may be appropriate for short term financial needs but which is not appropriate for longer term borrowing or if you are in financial difficulty. All loan application are subject to status, terms and conditions and to satisfactory passage of checks on credit worthiness and affordability.

We don't offer loans under 60 days. Early prepayment options that are available are not associated with any fees or cost. Maximum APR of 1698.1%. Given a Representative APR is 1272%, if you borrow £200 over 6 months at 292.0% p.a. (fixed) your first repayment will be £46.40 followed by £88.00, £78.40, £69.76, £59.84 and £49.28 the following months. You will repay £391.68 in total, there are no additional fees.