Loan Decisions

Your loan decision

Once we’ve completed our assessment, we’ll make a decision based on affordability, suitability, and responsible lending requirements. We said YES to almost 90% of our applications this year.

Possible outcomes

There are three possible outcomes following our assessment of your loan application:

  1. Approved: Your loan has been approved as per your application.
  2. Approved with conditions: In some cases, we may approve your loan but adjust certain terms to ensure affordability.
  3. Not approved: If we're unable to proceed, we'll let you know and where possible will provide you with an explanation.

If your loan is approved

Once your loan is approved, we'll send you a text or push notification to let you know. One of our lenders may call you if there is anything they need to discuss.

If you applied online: you'll receive an email inviting you to review your loan agreement and electronically sign. Once we receive your signatures, we'll get your loan issued and transfer the funds to your chosen bank account as soon as possible.

If you applied in-person or over the phone: you'll have to call into your local branch to sign your loan agreement. We can issue a cheque, arrange a bank transfer, or issue cash for loans under €3,000.

You should review your credit agreement carefully as it details the key terms of your loan. If you are unsure of any part of your agreement, please let us know and we'd be happy to explain it to you before you sign.

If we can't approve your loan

We understand it can be disappointing if we don't approve your loan. A decision not to proceed is usually based on affordability or lending policy requirements.

We're happy to discuss your application with you so you understand the outcome.

How decisions are made

Our decisions are based on:

  • Responsible lending regulations
  • Your financial circumstances
  • Internal lending policies
  • Ensuring long-term affordability

We aim to be consistent, fair, and transparent in every decision.

This page is for information and illustrative purposes only. It does not constitute a loan offer. Lending criteria, terms and conditions apply and loan approval is subject to a satisfactory assessment of suitability and affordability within these terms and conditions.

WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL-agreement in the future.