Credit Application Process

Below you will find each status a credit application may be in at any given time, as well as a brief explanation of each status.

No DecisionAn application has been submitted but the credit reference agency did not provide a response.
PredeclineThe customer has already been declined in the last 60 days, and they have tried to reapply before 60 days have elapsed.
AcceptThe credit application has been accepted for finance which is valid for 90 days. The customer now needs to sign their agreements and pay their deposit if a deposit is required.
DeclineThe credit application has been declined for finance. They must now wait 60 days before they can reapply for finance.
ReferThe credit application has been given a refer decision which requires manual decisioning from the lender to be either declined or accepted.
VerifiedThe customer has successfully signed their agreements and paid their deposit (if deposit was required).
FulfilledThe retailer has notified the lender that they have fulfilled the order. Fulfilment is defined as the customer having receipt of all items or service eg their complete order.
CompleteThe credit application has been included in a settlement payment from the lender to the retailer.
CancelledThe credit application has been cancelled and the deposit and any direct debit payments will have be refunded to the customer, if they were paid.
AmendedThe credit application has been amended and is awaiting the consumers approval. You can only amend an application if it is in Accept or Verified status.
Action-CustomerThe customer has been accepted, paid their deposit but the application requires an ID upload to proceed.

Below is the credit application flow for each customer journey.


Credit application process - online


Credit application process - in-store


Credit application process - phone app