APPLICATION DECISIONS

If your application is declined

The provider makes the credit decision. A technical delay, an incomplete application and a declined application are different outcomes.

Ask the provider

Use the application reference to ask about its status and any information still needed. If declined, ask for the reason and how to correct inaccurate information or query the decision.

Choose the next step carefully

Repeated applications or larger borrowing may add pressure to your budget. Check your credit information and existing commitments before applying elsewhere. We cannot overturn a provider’s decision.

Updated 20 September 2026 · Information and reference estimates