Does Wonga require a credit check? Wonga - Does Wonga require a credit check?

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Does Wonga require a credit check?

Yes, we carry out a credit check as part of our automated decision making process. We have one of the most advanced systems in the UK for analysing data provided by you and by credit reference agencies because we're only interested in lending to people who we believe can comfortably afford to repay us on their chosen repayment date. We carry out credit checks when we lend to you and also whilst you have an account with us so that we can manage our relationship with you. For full details about how we share information with credit reference agencies, please see our Privacy Policy.

The Credit Reference Agencies that we use are Callcredit Limited (registration number 03961870) with registered office at One Park Lane, Leeds, West Yorkshire, LS3 1EP; and Experian Limited (registration number 00653331) with registered office at Landmark House, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ.
To give yourself the best chance of acceptance, make sure you give us as much information as possible – and ensure that it's accurate - during your application. If you're an existing customer you can keep your details up to date in your account. If we can't provide you with a loan at any time we'll always try to give you a reason for the decision, plus any actions you can take where possible.


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