FAQAnswers

• Why haven’t I received my email passcode?
• Why haven’t I received my text passcode?
• Can you call my landline with a text passcode?
• I don’t have a mobile phone. Can I still apply?
• What is Credit Kudos?
• Why do you use Credit Kudos to assess my application?
• My bank isn’t on Credit Kudos
• I don’t want to use Credit Kudos; can I apply another way?
• I’m getting a connection error for Credit Kudos, but my internet is fine.
• Credit Kudos says it’s unable to connect to my bank
• I am getting an error message. What do I do now?

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• What is a Continuous Payment Authority?
• What is a transaction fee?
• What is a minimum payment?
• What are the default charges?
• Are you a direct lender or a broker and what is your company information?
• Are you a regulated company?

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• How do I transfer funds from my Polar Credit Line to my bank account?
• What is my credit limit?
• How do I increase my limit?
• How do I decrease my credit limit?
• How do I update my bank account details?
• How do I end my Polar Credit Line Agreement?

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• What happens if I miss my repayment?
• What is my minimum payment?
• How do I repay early?
• Is there an early repayment charge
• Can I pay off my balance by credit card?
• Where can I get help if I am worried about my upcoming payment?
• What happens if I don't repay?

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• How do I stop receiving marketing emails from you?
• How secure is your website?
• Do you use cookies and what is your cookie policy?
• How can I make a complaint?
• What happens if I file for bankruptcy, enter an IVA or a DRO?
• What is the cooling off period?
• Can you help me with budgeting and debt advice?

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