A loan that cannot comfortably be repaid is a failure, not a sale. That principle shapes how we assess applications and how we behave when something goes wrong.
What affordability means here
We look at income, existing commitments and the proposed repayment together. The question is not only whether you could technically make the payment, but whether you could make it without pushing something else into difficulty.
We explain a decline
If we say no, we tell you the reason. Often it is specific and fixable — an incomplete document, a figure we could not verify — rather than a permanent judgement. A vague rejection helps nobody.
If you fall behind
Tell us early. A missed payment is far easier to resolve before it ages, and we would rather agree a revised arrangement than pursue arrears. Contacting us is not an admission of anything; it is the thing most likely to produce a workable outcome.
Independent advice
If borrowing is not the right answer, we will say so. Free, independent debt advice services exist and are genuinely useful — taking that route instead of new credit is sometimes the better decision, and we would rather you did.
Common questions
Why was I declined when I can afford it?
Ask us. Frequently it is a document we could not verify rather than the affordability itself, and that is often resolvable.
What if I think I will miss a payment?
Contact us before the date, not after. Options are far wider before an account falls into arrears.
