You'll be notified about the outcome of your application in the Kroo app and via email. You’ll become eligible to reapply in 90 days.

We don’t perform any hard searches until you accept your loan offer, so if your loan application is declined, it will not have an impact on your credit file. We are not able to give specific reasons as to why your application may have been declined, and you may wish to check your credit report.

For your reference, we use information provided by our partner credit reference agency, TransUnion - visit the TransUnion website if you want to learn more about your credit report. Transunion's registered address is One Park Lane, Leeds, West Yorkshire, LS3 1EP.