Frequently Asked Questions

Simply click "Check Eligibility" and complete our short online form. It takes just 2 minutes. We'll perform a soft search across our panel of lenders to find suitable options for you.

You'll need your personal details (name, date of birth, address), employment information, monthly income and expenses, and bank account details. Having this information ready will speed up the process.

Our online form takes about 2 minutes to complete. Once submitted, you'll typically receive a decision within seconds.

You must be at least 18 years old, a UK resident, have a regular income, and hold a valid UK bank account. You must not be currently bankrupt or in an IVA.

No. Our initial eligibility check uses a soft search that is only visible to you and will not affect your credit score or be seen by other lenders.

A soft search (also called a soft credit check or quotation search) is a credit check that doesn't leave a visible mark on your credit file. Only you can see it. It's used to check your eligibility without impacting your credit score.

If you're matched with a lender and choose to proceed with a full application, the lender may perform a hard credit check. We'll always make this clear before it happens.

Yes, you can still apply. Our panel includes lenders who specialise in lending to people with less-than-perfect credit histories. However, approval is not guaranteed and will depend on your individual circumstances.

Your lender collects repayments, usually automatically from your nominated bank account on the agreed dates, and will give you full details of your schedule. Credit Corp doesn't collect repayments — we only introduce you to the lender.

Contact your lender as soon as possible. They may be able to arrange alternative payment arrangements. Ignoring payment difficulties will only make things worse.

In most cases yes — under your lender's agreement you can usually repay early and may pay less interest as a result. Early repayment terms are set by your lender, so check your agreement or ask them.

Missing a payment may result in late fees, additional interest, and could affect your credit score. If you're struggling, contact your lender immediately to discuss your options.

We collect information about your income, employment, regular expenditure and existing credit commitments to match you with lenders likely to lend to you affordably. The full affordability assessment is carried out by the lender before they approve any loan.

Being rejected doesn't affect your credit score (our initial check is a soft search). It simply means we weren't able to match you with a lender at this time. Your circumstances may change, and you're welcome to apply again in the future.

The amount you can borrow is decided by the lender, based on their affordability assessment — not by Credit Corp. You're welcome to submit a new enquiry for a different amount, but any offer is the lender's decision and depends on what they consider affordable for you.

Yes. We use industry-standard encryption and security measures to protect your personal and financial information.

We use your information to assess your eligibility, match you with suitable lenders, and comply with regulatory requirements. See our Privacy Policy for full details.

Yes. Under data protection law, you have the right to access the personal information we hold about you. Contact us using the form on our Contact page to make a request.