Frequently Asked Questions

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  4. Will I be Credit Checked?
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  2. FAQs
  3. Credit File
  4. Will I be Credit Checked?

Will I be Credit Checked?

Yes, but being credit checked does not mean that you will not be accepted for a loan 👍

Our lenders specialise in people with a poor credit score.

Details of the credit checks that happen:

a. When getting quotes

  • Our lenders use a Quotation search on both you and your Guarantor.
  • This is a soft search only and will not affect your credit score.

b. When applying to your preferred lender

  • Both the borrower and guarantor will have a full credit check
    • Borrower – to ensure they are not insolvent or bankrupt, plus different lenders will check other things such as being on the electoral roll.
    • Guarantor – to ensure they have a clean (or marginally imperfect) credit rating


> Get a loan with bad credit <

> Learn how to boost your credit rating <