We do our best to make sure we aren't over-lending to you. If payments become too difficult to repay it can cause expensive overdraft fees and negatively impact your credit score.
While we aren't able to disclose exactly how we make our loan decisions, our algorithms help us determine the amount we can safely lend to you. We look at a variety of things like recent income and current bank balance before making a decision. We apologize for any disappointment and hope you know that we have your best interests in mind!
The amount you select during the application process gives us a target to reach for but isn't guaranteed.
Once you’ve established positive borrowing history with us, you are more likely to be approved. However, we want to keep you safe and must continue to follow lending guidelines. At this time, we can't guarantee the loan amount will remain the same or increase.