We like to keep it simple - when you only want a loan for a week then it is no good if you are still faxing documents to us 2 weeks later. Again we are talking about a short term loan of between £75 and £750, not a mortgage!!! Using the latest available technology and online data sources we can normally get all the information we need to make our decision without needed anything further from you. On the rare occasion we can't we will invite you to send us further documentation, but as we do not charge for the application, if you do not wish to do this then we will simply cancel the application. So does this mean that we lend to anyone and don't check whether they can afford it? NO - gone are the days when Payday Loans were granted simply on the basis you were who you said you were and had a bank account and debit card that could be validated. We undertake thorough credit checks and other affordability checks, we just obtain the data from Credit Reference Agencies and Fraud Preven