Before you apply,
check you're eligible

We're more likely to accept you if:

• You have a long history of successfully managing your credit
• You're over 18
• You're on the electoral roll

We're not likely to accept you if:

• You've had any CCJs or defaults in the past
• You've never had credit in the UK before

Please note that meeting these criteria does not guarantee acceptance.

Before you apply,
check you're eligible

more likely to accept you if:

• You have credit card balances of less than £10,000
• You're aged 21 or over
• You're a home owner
• You have an income of more than £20,000 p.a.

We're not likely to accept you if:

• You have missed repayments in the past
• You've never had credit in the UK before
• You've had any CCJs or defaults

Please note that meeting these criteria does not guarantee acceptance.

Before you apply,
check you're eligible

We're more likely to accept you if:

• You're over 18
• You have some history of managing your credit even if you have had CCJs or defaults in the past
• You're on the electoral roll

We're not likely to accept you if:

• You've never had credit in the UK before
• You have been declared bankrupt in the last 12 months

Please note that meeting these criteria does not guarantee acceptance.

Before you apply,
check you're eligible

We're more likely to accept you if:

• You're used to managing your credit
• You're over 18
• You're on the electoral roll

We're not likely to accept you if:

• You've had any CCJs or defaults in the last 12 months
• You've never had credit in the UK before

Please note that meeting these criteria does not guarantee acceptance.