Supporting documents
Documents you might be asked for
When applying for a loan you need to provide certain documents to support the information you provided in your application. Having these documents on hand when applying for a loan can help speed up the process.
The exact documents we might ask for are unique to each application. The list below is to give you an idea of what you might need.
Identity documents
- Passport (and residency permit if applicable)
- National ID card
- Driving licence (photo ID only)
- Residency permit
Address documents
- Bank statement
- Utility bill/phone bill
- Council tax letter
- Store card bill
- HMRC letter
- Benefits/tax credit letter
- Pension letter
Income and finance documents
- Bank statement (Branch/Posted or PDF)
- Cheque/paying in book
- Open Banking report through Credit Kudos
- Tax return
- Up to 3 months consecutive bank statements dated within the last 4 months
- 2 payslips
- Benefits/tax credit letter
Open banking
You might be asked to share your financial information using Open Banking, which is a quick and secure way for sharing your banking data. In some cases, this might be a mandatory step to complete your loan application. Refer to our web page on Open Banking for more details.
As part of our commitment to being a responsible lender, we look at a wide range of criteria when making a decision to lend. And thus, in some circumstances, we may require some additional documentation.
Online ID verification
We've made ID verification easy and secure using our online tool, Onfido. It’s a quick and secure two-step process to help us verify your identity.
The first step involves taking a photo of your document using your computer or phone. If you're on a desktop, you can scan a QR code to switch to your mobile or continue on your desktop if it has a webcam.
You will be prompted to allow Onfido permission to access your devices camera. You will need to grant access to proceed.
In the second step, Onfido uses facial recognition to verify your identity. You will be asked to centre your face in a frame so that Onfido can perform a biometric analysis to confirm that your face matches your ID documents.
This process is designed to be user-friendly, secure, and compliant with identity verification standards. It helps prevent identity fraud while making it easy for customers to verify their identity remotely.
When you apply for a loan, we need to confirm your identity to ensure we’re dealing with the right person. This helps protect you from identity fraud. We do this using Onfido, our trusted identity verification partner.
You’ll be asked to position your face within a frame so Onfido can perform biometric verification.
This process is designed to be secure, user-friendly, and compliant with global identity verification standards - helping us prevent fraud while keeping your personal details safe.
To complete your ID verification online, you will need to have a webcam on the device you are using.
Yes, you will need to grant access to your device’s webcam to complete this stage. Your camera will automatically turn off once the process is complete.
Unfortunately, without a camera on your device, you will not be able to complete your online loan application.
Please refer to our Privacy Notice for more information on this.
When submitting your ID, please ensure it is clear, readable, and fulfils all the criteria mentioned during the process.
Here are some useful tips:
- Hold documents steady when taking the photo so they are not blurry.
- Make sure all required details are clearly shown. e.g., name, date of birth, expiry date, issue date, ID number, address, etc.
- The image must show the whole document.
- Take pictures in a well-lit room.
- Avoid reflections and glare.
- Screenshots and photos of screens are not accepted.
