How long does a loan application take?
What happens after you apply, and when to contact us
Most applications are reviewed within a few working days. It can take longer if we need more information from you.
You don't need to contact us while we review your application. We'll get in touch if there's a problem or we need something.
What happens after you apply
- We receive your application. Nothing to do, it's in the queue.
- We check your identity and affordability.
- We may ask for documents. Upload them in the app. They're attached to your application automatically, so you don't need to tell us.
- You sign your agreement. We receive it automatically, so you don't need to tell us.
- We do a final review.
- We pay out your loan, if approved. It then shows in your account in the app. See When will I receive my loan or withdrawal?
Every application is assessed individually.
When to contact us
Contact us only if:
- you can't upload the documents we asked for
- you can't access your account
- you finished the last step we asked for more than 2 working days ago
- you think you entered something incorrectly
Otherwise, your application is still being reviewed and there's nothing you need to do.
How to contact us
Send us a secure message in the app. It's the quickest and safest way for us to help with your application. You can also call us on 0131 225 9901.
We can't give application updates by email or live chat, because we need to protect your personal and financial information.