Frequently Asked Questions
Questions from previous customers
Unfortunately, while some lenders have an extremely open underwriting process. There are no automatic guaranteed loans. No site should be promising such a statement.
There is much debate regarding back to work loans. Sometimes a person needs a loan for a new car which will help him get back into work. Now technically this is against the rules on affordability, but it could be argued that it should be allowed.
This is the only grey area where applications might be accepted without a current income.
The Decision Making Process
Don't worry, the brand of this site implies that we welcome applications from people that have bad credit so don't think this is an automatic decline because it isn't. If everyone with the same credit status got declined, we wouldn't be in business.
Most of the time the most significant delay is in the time it takes for the borrower to reply to the security text message that will be sent to confirm that you are the one applying.
Some people won't reply to this message for hours. Unfortunately, lenders won't send the money unless this code is confirmed. There are no exceptions to this.