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If you know you’ve made a few financial slip ups in the past and your credit score could be better, or you’ve never borrowed and so haven’t yet built up a credit history in the first place, there are steps you can take to improve your rating so you are more likely to be accepted if you want to take out a loan or apply for a credit card.
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They will also need your banking information, in order to transfer you the funds and then set up your direct Approval (should you receive it) usually takes just a few hours, and funds can often be in your bank account by the same business day, depending on when Most lenders will also require proof of your financial situation, such as payslips and/or 90 days of bank statements.