Frequently asked questions

A soft credit check is a quick look at your credit history that doesn’t affect your credit score. Only you can see that it’s happened, other lenders can’t.

We run a soft check before you apply, as part of our eligibility process. It helps us:

• Understand your financial situation
• Make sure the loan is a good fit for you
• Protect your credit file from unnecessary impact

If it looks like the loan might not be right for you, we’ll let you know upfront, before you go through the full application. That way, you can avoid being declined and protect your credit record.