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What They Check Next
Beyond income, lenders weigh how you already manage money. This is Step 2 of 3.
Existing Debts and Affordability
A responsible lender compares your current debts and regular outgoings against your income. This affordability check protects you from taking on a loan you cannot comfortably repay, even if you technically qualify.
Banking History
Many lenders review recent bank activity to see patterns like regular salary deposits, frequent overdrafts, or bounced payments. A healthy account history reassures the lender and can speed up approval.