Onfido is a trusted identity verification provider that helps us confirm your identity securely. They use technology such as, document verification and biometric facial recognition, to make sure the person applying for a loan is really you.
We partner with Onfido because their process is:
- Secure – Your personal details are protected at every step.
- Compliant – Onfido meets strict regulatory and privacy standards.
- Simple – Verification can be completed online in just a few steps.
Using Onfido helps us prevent identity fraud and keeps your account safe, while making the experience fast and convenient for you.
You can read more on Onfido and how they use your information in their Privacy notice.
To help us assess your application, we may need a few additional documents from you. Uploading them is quick, secure, and easy using our online tools.
You can find out more here.
If you have been asked to upload documents as part of your online loan application, you will need to use our online tool to complete the process rather than emailing the documents to us.
If you need any further assistance on this, you can contact our customer service agents and they will be happy to help.
Our team may ask you to prove your residency status during your application process. The quickest and easiest way to do this is by providing us with an immigration share code which will help us assess your current residency status.
How to access your personalised share code:
- Visit the gov.uk to view or prove your immigration status.
- Follow prompts to view or prove your immigration status, this involves signing up or logging in to your account.
- Once logged in, select the ‘Get a share code’ button.
- Continue to the page which asks you why you need a share code and select the third option ‘To prove my immigration status for anything else’.
- Once you have reviewed your personal information, you will need to click the green button saying, ‘Get a share code’.
- This landing page will display your unique 9-digit share code which we can use to assess your current residency status. This 9-digit code is what you will need to provide to our team.
- Please provide our team with this 9-digit code for further checks to be completed.
Open Banking is a secure method for sharing your financial data from your bank accounts.
This could include information like your balance, income, outgoings, overdraft, etc. Find out more on our Open Banking page.
During the application process, our underwriting team may request some documentation. The documents required are unique to each application and on occasion, may include a document that is not listed below.
Find out more on the type of documents you might be asked for.
Time scales can vary when reviewing documents. We will do our best to have an update for you as quickly as possible – if we’re able to make a decision it will come to you via email, otherwise, an agent will be in touch once the review has been completed and if anything further is required before making a decision.
If you have submitted all documents required, our Underwriting team will be reviewing this.
As soon as they’ve completed their checks, you will receive an email. If all checks have been successful, the email will contain a link to an e-contract to review and sign. If for some reason, you do not pass the checks, you will receive an email letting you know that your application has been declined. Please note, in some cases, we may require additional documentation than what is listed on your Bamboo account.