How long does a lending decision take?
Personal loans are usually decided within one to three working days. Mortgages and secured facilities take longer because of valuation and legal work.
| Facility | Indicative decision time |
|---|---|
| Personal loan | 1–3 working days |
| Auto loan | 2–4 working days |
| Working capital / equipment finance | 3–7 working days |
| Mortgage — decision in principle | 2–5 working days |
| Mortgage — full offer | 3–6 weeks, including valuation and legal work |
What slows a decision
- Missing or unreadable documents — by far the most common cause.
- Income that is hard to evidence, such as irregular self-employed earnings.
- A valuation or survey that has to be scheduled with a third party.
- Recent changes in employment or business circumstances.
You will be notified at each stage, and any request for more information appears as a task on your application. Responding the same day is the single biggest thing you can do to speed it up.
Did this not solve it?
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