It depends why your loan was declined. We require 12 months permanent employments, so if you do not comply with a requirement you have to wait until you comply. If it is declined purely on affordability you can apply again when your situation has improved. We have to assume that an over-indebted consumer’s situation will not improve in a couple of months time, so we might only re-consider doing another NLR credit check after an extended period as there are costs involved for us. An over-indebted Consumer’s situation is noted on the system and when you apply frequently we might decline the loan immediately without running a credit check or without sending you an E-mail notifying you why it was declined again. If you are declined due to Disputes or Stop Payments which we have a strict policy against it is noted on the system and we might only consider your application again when the new Authenticated Debit Order System is implemented.