Why was my application declined?

All retail finance applications are assessed automatically against our lending criteria. If your application is declined, it means you didn't meet our lending criteria at the time of your application. Unfortunately, we're unable to manually review or overturn lending decisions. 

What happens next?

If you believe the information used to assess your application may be incorrect, you can review your credit report with Equifax or the relevant credit reference agency before applying again.

Please note that submitting another application immediately is unlikely to result in a different outcome unless your circumstances have changed.