No problem — we assess each case individually.
If you have:
- A County Court Judgment (CCJ)
- An Individual Voluntary Arrangement (IVA)
- A record of bankruptcy
You can still apply. We take a case-by-case approach to approval.
If you’ve had a CCJ, IVA, or been declared bankrupt, we’ll need to see a copy of your full credit report.
You can download your credit report for FREE via MoneySavingExpert’s Credit Club , with no card details or trial signups required.
We also accept reports from:
- Experian
- Equifax