Like most lenders, we carry out a credit check as part of our assessment of your application.
But don't worry if you have a default on your file - we may still be able to help you depending on the circumstances. Nimble may approve loans for some applicants with black marks on their credit history depending on the reason and timing of the mark. Credit history is only part of our application assessment - we also consider other information as a responsible lender.
However, there are still cases when applications are declined. If you are bankrupt, in a Part IX debt agreement or Part X personal insolvency agreement, have defaulted on short-term loans, or have an extremely bad credit history, your application will be declined.