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If your customer’s status says “Applied for finance”, it means they’ve started the application — but they haven’t completed it yet.

This status can cover several scenarios, but in all cases, the customer needs to take action.

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✅ What you should do

Contact your customer and ask them to check their email or inbox from the lender. If they’re unsure what to do next, they can reach out directly:

• 📧 [email protected]
• 📞 0330 818 7500

🔍 What this status means

1. They haven’t signed the loan agreement yet

Even if your customer tells you they were approved, the status will still show as “Applied for finance” until they sign the loan agreement. Approval alone isn't the final step — they must accept the terms by signing off.

2. They’re waiting for manual review

Most applications are auto-approved or declined within minutes. But around 25% of cases go into manual underwriting.

In these cases:

• The customer may receive a holding email saying “someone will be in touch”
• A follow-up email may request documents (e.g. bank statements, payslips, proof of address). This is normally sent within 1 business day.
• Once reviewed, the lender will send a final decision
• If approved, the customer still needs to sign the loan agreement