How long does a loan application take?
Understanding loan application timescales
Overview
After you submit a loan application, our team reviews your details, carries out checks, and may ask you to complete additional steps.
Most applications are reviewed within a few working days, although this can vary depending on the information required.
You do not need to contact us while your application is being reviewed. We will contact you if there is a problem or we need something.
What happens after you apply
Your application moves through the following stages:
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Application received
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Identity and affordability checks
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Documents requested (if needed)
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Agreement signed
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Final review
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Funds paid out (if approved)
Every application is assessed individually.
What you should do at each stage
After submitting your application
No action is required. Your application is in the review queue.
If we request documents
Return the requested documents in the app.
Once uploaded, they are automatically attached to your application and the team can review them.
After signing your agreement
No action is needed. The team automatically receives your signed agreement and continues processing your application.
After approval
If your loan is approved, the funds will be sent to you and will appear in your app account.
How you will receive updates
We will contact you directly if there is a problem or we need more information.
You can also check your account in the app. When the loan has been paid out, it will show there.
When you should contact us
Please contact us only if:
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You cannot upload requested documents
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You cannot access your account
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You completed the last requested step and more than 2 working days have passed
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You believe you entered incorrect information
If none of the above apply, your application is still being reviewed and no action is needed.
How to contact us
Secure message (recommended)
Send us a secure message in the app.
This is the quickest and safest way for us to help with your application.
Phone
You can call us if the situations listed above apply.
For security reasons, we cannot provide application status updates by email.
If you email us about your application, we will ask you to contact us using secure messaging or by phone.
Live chat
Live chat advisors cannot access loan application updates.
Common questions
I uploaded my documents today. Do I need to tell you?
No. They are automatically attached to your application.
I signed my agreement. Should I contact you?
No. The team has received it and your application is being processed.
How will I know if my loan is approved?
We will contact you and the funds will appear in your app account.
Why can’t you update me by email?
We cannot discuss loan application details by email because we need to protect your personal and financial information.
Still need help?
If the timeframe above has passed or you are unable to complete a requested step, please contact us using secure messaging in the app so we can review your application.