As we are regulated by the FCA, we have to run checks on all of our customers.

Based on this information unfortunately we sometimes have to say no, but we have not left a hard search on your credit report, so your application to Raylo will not impact your credit score.

Don’t hesitate to contact us if you would like to discuss your application.

If you need further information, we suggest you review your free credit report from Credit Karma ( or ClearScore (

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