Eligibility & Checks

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Important information

Please Note This Is A Guide For Eligibility - Checks Are Taken Upon Checkout By 3rd Party Service Providers

Are You Eligible?

Read through our guide that will give you the best understanding for how our finance is calculated for our customers.

Need Help?

If you need any support feel free to contact us further for any assistance

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Personal Details

We'll begin by collecting and confirming your basic personal information, such as your name, address, and contact details. This helps ensure your identity can be verified securely and allows us to match your information accurately with the provider's systems. All data is handled securely and used only for the purpose of assessing eligibility.

Income Verification

To assess affordability, we may review details about your income and financial situation. This can include employment status or other sources of regular income. The purpose is to ensure that any repayment plan offered is realistic and manageable based on your circumstances, helping to prevent financial strain.

Soft Credit Check

A soft credit check may be carried out as part of the eligibility process. This type of check does not impact your credit score and is only used to gain an overview of your financial profile. It helps determine whether suitable payment options may be available to you without affecting your future borrowing ability.

Credit Assessment

In addition to a soft check, providers may assess aspects of your credit history to understand your past repayment behaviour. This allows them to make a responsible lending decision and offer options that are appropriate for your financial situation. Not all customers will receive the same offers, as this depends on individual circumstances.

Affordability Review

An affordability assessment is carried out to ensure that any payments you agree to are sustainable. This step considers factors such as your income, existing commitments, and overall financial position. The goal is to support responsible spending and ensure that repayments remain comfortable within your budget.

Instant Decision

Once all checks are completed, you'll receive a decision within seconds at checkout. If approved, you'll be presented with the available payment options to choose from. Approval is not guaranteed, and options may vary depending on your eligibility and the provider's criteria.