WARNING: Late repayment can cause you serious money problems. For help, go to: moneyadviceservice.org.uk

Am I Eligible for a Loan?

Want to know if you can apply for a loan? Check our recommendations to find out!


Lenders need to know that you meet certain basic checks to lend money to you. Before you submit your application please review the criteria to see if you meet all the requirements. As a responsible credit broker we want to ensure that we are not putting you in a difficult financial situation - it's important that you are in a position to repay the loan.

  • You are over 18 years old
  • You are in employment, earning £500 or more.
  • You are a UK resident
  • You have a UK bank ccount and your wages are paid into it
  • You have an active email account and mobile phone

If you can answer yes to all the criteria statements, you are eligible to apply now.

Apply now

What else can affect my eligibility?

There are a few other factors that lenders will look at to see if you are eligible - we've listed some of the main ones below:

Your Credit is Bad

If you are currently on a debt management plan, have been declared bankrupt in the past year or have more than one CCJ, you may not be approved for a short-term loan.

You are unemployed

All responsible lenders have a duty to ensure you can repay the loan and not get into financial difficulty. People that are unemployed or don't work at least 16 hours per week are therefore unlikely to get credit.

You don’t have a bank account

Online lenders typically pay directly and automatically into a borrower’s bank account. Lenders will also use bank account details to verify your ID and sometimes your affordability. Therefore, if you don’t have a bank account you are less likely to be offered a loan.