We’ll always try to give you an instant decision online.

But, if we can’t tell you straight away, we’ll have one or two more steps to do. For example, we may need you to confirm some extra details like your income or identity. If you do need to provide this, it’s quick and easy to do online.

We might also need to review your application manually. It all depends on how much information is available in your credit file. Once that's all done, we’ll aim to give you a decision in 2-3 working days.