If there is anything we need from you, we will send an email to the address on your application with instructions of what we need. Always follow the instructions carefully, as we may not be able to carry on your application if we do not receive these. The documents need to be clear, legible and unedited. If a document has more than one page, we will need to see every page. If you have any questions about sending documents we have requested, make sure to contact us.
We accept all of the following forms of ID, however they must be in date, unedited, and clearly legible:
We can also accept the following documents as proof of address, however they must be dated within the last 3 months:
We may also accept the following documents as long as they are in date, unedited and clearly legible:
As a responsible lender, it's important we complete thorough checks during the application stage. Regardless of whether you have been our customer for a day or a few years, we must check you are who you say you are. Sometimes our initial checks don't provide us with enough information and there will be further things we need to check, such as where you live.
Yes. Electronic identity verification is where public and private databases are checked to confirm whether an individual is who they say they are quickly. The results of electronic identity verification could result in either a match, partial match or no match through checking information such as full name, address, date of birth or National Insurance number.
Identity fraud is when someone uses your personal information to commit fraud. This can include opening a bank account in your name, obtaining credit cards or loans, ordering goods or services, and sometimes even obtaining passports or genuine documents in your name.
Money laundering is the term used to describe the process of making money or income gained by criminal activity appear legal. The actual process of money laundering is incredibly complex, lengthy, and very diverse. There are a number of techniques which can be used by money launderers to disguise the source of illegally obtained money.
We will need a valid telephone number for your employer and picture of your most recent payslip or a copy of your bank statement showing your most recent wage payment. If we ask you for your payslip or bank statement, please ensure the picture is clear, legible and unedited. If we can't see the whole payslip or statement, we will likely ask you to send this again which will slow down your application.
If we ask you for a payslip or bank statement, please check:
The best way to send is to reply to the email we sent you when you applied.
If you are self-employed, we'll need to see a picture of your bank statement showing your monthly payments, a recent invoice, or a payslip if you receive this (e.g. subcontractor) or a tax return or an accountant's certificate. Please ensure the picture is clear, legible and unedited. If we can't see the whole payslip or statement, we will likely ask you to send this again which will slow down your application.