How It Works
A straightforward four-step process — from the moment you submit your application to the moment you receive a financing decision.
From application to decision
The same four-step process applies to personal, business and flexible financing requests.
Application
Complete the online application form. Provide the required personal, employment and loan information, and review your details before submitting.
Time required: usually 5–10 minutes.
Review
Your application is reviewed according to our eligibility criteria and the applicable lending arrangements for your country of residence.
We assess your request against transparent criteria.
Verification
Additional information or supporting documents may be requested to complete the verification of your identity, income or business activity.
We may contact you by email or phone.
Decision
A financing decision is communicated to you. Where a financing offer is made, the applicable terms will be presented for your review before any agreement is signed.
Submitting an application does not guarantee approval.
A clear, respectful experience
Our process is designed to keep you informed at every step. We aim to communicate in plain language, treat your information with care, and respect the time and effort you invest in your application.
While we do our best to review applications promptly, review times may vary depending on the country, the completeness of the application and the volume of requests we are processing.
- Plain languageAll communications are written clearly and respectfully.
- Privacy & securityYour information is handled securely and in line with applicable data protection laws.
- Transparent outcomesYou will be informed of the outcome of your application in writing.
- Support availableOur team is available to answer questions about your application.