Where possible, we’ll give you an instant decision online. If we can’t tell you straight away, we’ll have one or two more steps to do. It all depends on how much information is available in your credit file.

We may need you to confirm some extra details like your income or identity. You’ll be able to do this quickly online. We might also need to review your application manually. Once that's all done, we’ll give you a decision in 5 days.

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