What to Do in the 48 Hours After a Refusal
Don't fire off five more applications. Check your file for errors, confirm you're on the electoral roll, then apply somewhere whose criteria you actually meet.
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.