My application has been ‘referred’ – what’s happening?

It’s nothing to worry about. We make an automated, instant decision on the vast majority of applications, but we occasionally need to refer an application to our team to make a few final checks. During business hours this generally happens the same day and often within an hour. You don't need to contact us or do anything, so please be patient and look out for an email with our decision. If you're accepted, you'll then just need to log back in at the site and click the 'accept' button. We always aim to get back to you as soon as possible and, if you’re approved, the loan will follow shortly.