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My application has been referred – what does this mean?

When you apply for the thinkmoney credit facility, we look at our eligibility criteria to see if you can borrow with us.

We can either accept, decline or refer your application. If your application is referred, this means we refer it to an underwriter and they’ll decide whether or not you can borrow from the credit facility.

There are a number of reasons why this can happen – it depends on our eligibility criteria. These can change daily so even if you’ve been accepted before, it doesn’t guarantee you’ll be accepted again.

We’ll get back to you with a decision by close of business the same day if you’ve applied for the credit facility during opening hours. And if you’ve applied out of opening hours, we’ll give you an answer by close of business the next working day.

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