Can I apply if I know I have a less than perfect credit rating?
A credit score that is not completely perfect does not necessarily mean that your application will be declined.
We use a wide variety of checks to reach a decision on an application, with your credit score being one of them. You may also be interested to know that if you are trying to improve your credit score then prompt repayment of an authorised loan will help to improve your credit score in the future.
You are advised however that you only borrow what you need, for as long as you need it and as a responsible lender we would not recommend borrowing more than you can comfortably afford to repay.