When assessing loan applications, credit worthiness is only one of several factors we consider. We are flexible and understand there are difficult times in life which result in a poor credit record. Depending on how long ago, the amount involved and how you worked your way through these times, we may be able to work out a solution for you. Sometimes other guarantees need to be put in place, such as a guarantor. We carry out credit checks on all loan applicants as part of our application review process to be sure the loan is right for you and that you can afford the payments.