When you apply for a loan online, your application is accepted in principle or declined. If accepted in principle, the next stage of your application is the Agent visit, where the Agent will discuss your loan application further.
During the face to face meeting, the Agent will assess your income and outgoings. This enables us to check whether you can afford to repay the amount you’ve asked to borrow.
If the assessment shows that you can’t afford to repay the amount you’ve applied for, you may be offered a lower loan amount providing this is suitable for the purpose of the loan. We do this as we consider your personal circumstances, and only lend amounts we know you can afford to repay.