FAQs - The application process

Will the credit check affect my credit score?

Sam Wooller, Customer Experience Communications Manager
Thursday, 23 March 2017

When you first apply to us (whether online or over the phone or through a vehicle supplier), the initial credit search we carry out to check if it looks like we can offer you finance is what’s known as a ‘soft search’. This means it won’t affect your credit score. After the initial application, if you want to enter an agreement with us, we’ll then carry out a full credit search which will show on your credit file.