If you have any other ways of funding what you need, such as using existing savings or creating a savings goal (criteria applies)​

If you can afford to pay back the money you're planning to borrow. Depending on the product you choose, interest rates may be variable or fixed, which might impact the amount you can borrow and the cost of borrowing over time​

Any application for borrowing will be subject to credit checks to make sure you’re eligible to borrow money, these can leave a trace on your credit report. Before applying for credit, check if the product you’re interested in offers an eligibility checker. Also known as a soft credit search, these quick online forms let you find out if you’re likely to be accepted without impacting your credit score​

You should properly explore all your borrowing or savings options before making a final decision​

This guide aims to help you determine which product might best suit your needs, but in no way constitutes product advice or recommendation