Yes. We always check an applicant’s credit history before approving their loan, but this does not mean that we deny everyone that has black marks and defaults in their credit file.
If we find black marks in your credit record, we will generally talk with you about them and give you an opportunity to explain them and even to prove that your circumstances have improved.
We encourage you to request and analyse your credit record before you apply for a loan and if necessary, gather relevant information and documents to help us understand your situation.
Keep in mind that although we would like to help everyone with a loan, circumstances sometimes require us to decline an application.
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