We’re a responsible provider of credit, which means we need to take a few factors into consideration when we assess your application.

An example of something that may affect your application is your repayment history with other lenders and accounts (e.g. telco, utilities, and credit account). Providing this information helps us determine if you can comfortably meet your repayment requirements.

However, there are other reasons we may choose not to approve your application based on the information you provide. Each case is unique, and we take into consideration additional factors like how much you earn, your spending habits and your employment status in order to make our decision. We will not approve your application if we assess you as being unable to meet your repayments.