I have a question about topping-up my loan

Currently, the option to apply for a top up becomes available just over halfway through your current loan, providing your payments are made on time and your Direct Debit hasn't been cancelled. We can't always give you a date for certain, as the rules regarding eligibility for a top up loan are automated in the system, and subject to change – but you will be notified by text once you become eligible to apply.

The first time you top up your loan, you may be eligible to increase your balance to £1500. A customer can only have one loan with us at a time. As your new application will settle your original loan if accepted, you will receive the amount you apply for minus the remaining balance of your first loan.

Every application is subject to a fresh affordability assessment, to ensure we are lending responsibly and fairly.

To be eligible to apply with us, you need total monthly income of £1,600 after tax in each of the last full six months.  At least £1,400 must come from employment, the rest can come from benefits or pensions.

As we look at the last full 6 months, any salary received in the current month cannot be counted.  If you are paid weekly, each weekly payment must have been £325+. If you are paid fortnightly, each payment must have been £650+.

You need to have been paid in the same way (ie. monthly or weekly) for the last six months.

We're unable to process applications for those who do not meet these income requirements due to salary deducted benefits or wage stream.  We’re also unable to include self-employment income.

We will then perform additional checks on your current loan repayments, credit outgoings (eg. credit card spend, buy now pay later spend, debt management payments), your Direct Debit history, gambling spend, etc. to ensure you would be able to afford your new repayments.

Your most recent payment may still be processing on our side, meaning that this payment is currently 'in flight'. We can't process top up applications during the period when a payment is in flight. You should see the option to apply again 4 working days after your payment was due if you were previously eligible to apply.