If you received an offer on a price comparison site, it means you passed our credit and affordability checks, based on information supplied at that stage. Our decision will usually match the price comparison site, but in order to receive the loan, we will complete further checks in the Kroo app. These include anti-fraud checks, identification and address verification. We will also verify your income using Open Banking.

Depending on the result of these checks, we can amend the loan offer or not be able to offer you one. Also, if any information changes from the price comparison website to the application, the terms we offer you can change as well.