1Plus1 Loans
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Flawed Application System
Firstly I have no hard feelings towards being rejected and had a relatively pleasant experience completing the application however, this system is flawed. First you are pre-approved after declaring my earnings, then I had to give consent to share my bank details and have a hard search put on my credit file only to receive a phone call and be told my earnings don’t qualify me for a loan. This is definitely something that should have been disclosed earlier but instead I feel like this company rely on getting peoples hopes up to then reject them once a hard search has already been put on someone’s history. I highly suggest you do some research on whether this company is the right one for you before applying as nowhere on the application does it state a minimum earning requirement even on the pre contract I was requested to sign!