If I do not give you permission to perform a credit check, can I still continue with my application?

We do need to complete a credit check in order to be able to accurately estimate your personalised loan terms.

However, by getting a quote (and before proceeding with a loan application) we are able to review your credit information with a bureau through a 'quotation enquiry'. This quotation enquiry is recorded on your credit file, but may not be used by the bureau to create your credit score.

A 'credit check' that may be used by the bureau to create your credit score will only be registered on your credit file if you choose to proceed with a loan application.