Affordability

 

 

As part of your application we are committed to ensuring your Pay Weekly Store purchase does not cause you financial problems. This means as part of our checks we need to ensure you can afford to pay back any credit facility we offer. Even if you have a bad credit history we may accept you, but we may want you to build a payment history with us before we are able to offer more expensive items.

 

To ensure we are providing the right service for you we will require information about your personal and financial circumstances in order to make the right decision. We will also run a credit search.

 

This means that even if you have had a credit facility from us in the past we will still need information each time you reapply to ensure the service is suitable and fits your circumstances. So even if you have been a customer before and have a good repayment history you may only be accepted for credit facility less than you have been given in the past. In some circumstances we may not be able to offer a credit facility at all.

 

If you have been declined for a credit facility then unfortunately at this moment in time we feel our services are not right for you and/or your credit file does not match our lending criteria. If you feel the service is something you still wish to proceed with in the future you may reapply again in 90 days time.

 

Companies who may be able to help in times of need.

 

Taking out credit may not be the only solution to your financial situation. Independent, free and impartial debt and money advice is available from the following companies below.

 

  • Step Change Debt Charity - www.stepchange.org
  • National Debt Line - www.nationaldebtline.co.uk
  • Citizens Advice - www.citizensadvice.org.uk