Apply for a loan
A person, an organisation or an agent acting for a legally responsible principal applies to borrow. Affordability is worked out from consented account data and shown with its error bound before anything is decided. The applicant's confidence report is used only if they share it. The decision is clear, with reasons in plain words, the factors used and how to ask a person to review it; no protected characteristic or proxy is ever used, and every decline or referral is reviewed by a credit officer before it is final. An approved applicant sees the full offer, accepts it with strong authentication, has a cooling-off period to withdraw, sees the repayment schedule, and can ask for support at any time if they get into difficulty, with that support recorded in their favour.