FAQs - The application process

Will the credit check affect my credit score?


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.