What happens once I have applied online for a personal loan?

If you've signed your loan agreement online during your loan application

If your loan was unconditionally accepted, you signed your loan agreement online using the app or Online Banking and you applied before 5.45pm Monday to Friday (excluding Bank Holidays) you could have your money on the same day.

If not, we will usually process your application within 2 working days and will send you a text or email to confirm when the funds will be in your account. We may ask you to upload supporting documents we require (we'll let you know if we need this) via our secure online portal.

A confirmation letter, plus copies of the application documents, including a copy of your loan agreement, will be sent to your online mailbox along with a text or e-mail to notify you when the documents have been sent to your mailbox.

If you've not signed your loan agreement online during your loan application

We will usually send you either an email or text with next steps within 2 working days.

We may invite you to upload any supporting documents we require (we'll let you know if we need this) and sign your application via our secure online portal.

Once you've submitted your signed agreement (including all the supporting documents we requested), we will usually process your application within 3 working days.

Visit our existing customer loan hub(opens in a new window) for more information on managing your loan.