We run credit checks on all of our customers, as we need to ensure the monthly
payments are affordable and to protect against fraud. We believe this is the responsible thing to do for our customers and Raylo.

Unfortunately, if you have multiple missed payments on your credit report you are unlikely to pass our credit checks.

If you become a Raylo customer it is important that your payments are made on time, as non-payment will affect your credit score.

If you need further information, we suggest you review your free credit report from Credit Karma ( or ClearScore ( and this article from MoneySavingExpert provides useful information on credit reports and scores.

Don’t hesitate to contact us if you need any further help.

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