What if I have bad credit history?

Credit history is just one of many factors we assess when reviewing a loan application.

We understand that most people go through a bad patch at some stage in their life, and for many this can affect their credit rating. So when looking at adverse credit history, we pay particular attention to how a person dealt with it, how long ago it happened and to what extent it was a problem.

In some cases, we may require a guarantor to provide additional security but in many cases we don't need a guarantor.

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Read more about our Lending Criteria