We can consider your application if in the last 6 years you have not been subject to proceedings for Bankruptcy/Sequestration or an Involuntary Arrangemenet (IVA)/Protected Trust Deed and/or Debt Arrangement Scheme (DAS). The debt must be satisfied/discharged and no longer showing on the credit bureau (credit reference agency).

We will consider your application if your CCJ is older than 6 months and you have a maximum of 1 CCJ of £1000 or less registered in the last 24 months. There is no limit on the number or value if older than 24 months.

We can consider your application if you are currently in a Debt Management Plan as long as you have maintained the Plan's payment schedule for at least 12 months.

We can consider your application if your default is older than 6 months old, and you have a maximum of 1 registered default of £1500 or less in the last 24 months. There is no limit on the number or value if older than 24 months. We do not take into account communication eg. mobile phone, insurance or utility defaults (where utility defaults are £250 or less per application).

We can consider your application as long as you haven't taken out a Payday Loan within the last 6 months.

We can consider your application if your secured loan*/rent arrears are older than 3 months and you have a maximum status of 1 in the last 24 months (*usually secured against property or another valuable asset eg. car).

We can consider your application if accounts are all up to date and all payments have been made for the last 6 months.