Why has my loan been declined?
How loan decisions are made, and how to talk to us about yours
Every loan application is assessed individually, based on your circumstances at the time you apply.
Loan decisions involve personal and financial information, so we can't discuss the reasons for a declined application by email, live chat or in the Help Centre.
To talk through your decision, contact us securely:
- send us a secure message in the app or online banking
- call us on 0131 225 9901
If you're worried about money, our Worried about money? page explains how we can help.