When you complete your initial application with us, we’ll carry out a near-instant soft search check on you and give you an immediate credit decision on whether we can offer you finance (without impacting your credit score). If you’re provisionally approved, we’ll then call you back to discuss your application in more detail within one working day of receiving it. You’ll need to provide some documentation to prove your identity, and possibly documentation (e.g. payslips) to confirm our affordability calculations. Subject to passing these checks (including a full credit search which will appear on your credit profile), we can usually pay out the finance within 2-3 working days.