As the finance available on our website is provided by a third party company "afforditNOW", we sadly are unable to comment on their credit scoring process or how they come to their approval/decline decisions.
I would recommend contacting them directly, their FAQ and contact details are detailed at the following link; http://www.afforditnow.com/customer/faq-customers/
They do state on that page;
For your finance application to be considered you must meet the following criteria:
* Be over 18 years of age;
* Be employed at least 16 hours per week;
* Be a permanent UK resident and be able to supply a UK address history for the last 3 years;
* Have a good credit history with no late payments, debt relief orders, CCJ’s, IVA’s or bankruptcies.
* We welcome applications from retired individuals, in receipt of a private or company pension (aged 50 or over at date of application).
I hope this helps,