Refused by Very or Studio? Here's Why
Both run hard credit searches through the main bureaus. Defaults, recent missed payments, a thin file or too many recent applications each trigger declines.
Check my limitQuestions people ask
Can I reapply to them later?
You can, but nothing changes until the underlying file changes — which usually takes months.
Do you run a credit check?
No. We use our own affordability model — no hard search, no Experian or Equifax check. Applying leaves your credit file untouched.
What's the interest rate?
0% APR for the full term, every time. You pay the sticker price plus a one-off activation fee, spread over 6 to 12 monthly payments.
How much can I spend?
A store credit limit is approved in under 60 seconds. Mix categories on one plan if you want to.