We’ve designed our application process to get you up and running as quickly as possible.
You can apply for a Tappily account if you are:
At Tappily, we take pride in lending responsibly and appropriately. That’s why our checks use the following information:
As part of the application process, you will need to link your Tappily account to your current account, so be sure to have the following handy:
If approved, we will let you know exactly how much credit is available to you. We make an assessment of your creditworthiness based on what you can afford.
Once you have completed your application and if after we complete our affordability checks you are approved for credit, you can borrow money in the following ways:
Provided you have available credit, you can transfer money to your current account instantly from your Tappily dashboard.
Once you’ve applied for a Tappily account and have available credit, you can use it whenever you want. You won’t need to apply every time you want to borrow from us.
Tappily monitors your account and when your balance drops to a pre-agreed protection level, we can automatically lend you money to stop you falling into your unauthorised overdraft and incurring charges.
If your application is approved, you’ll be able to access your personalised dashboard where you can switch auto-borrowing ‘on’ in the auto-borrowing section.
You will also need to set the protection level that will trigger a loan to be automatically transferred to your account, but don’t worry — we will guide you through this.
Because Tappily’s secure credit facility is linked to your current account, it monitors your bank balance and when it reaches the pre-agreed protection level, it will automatically send you a loan so you avoid entering your unauthorised overdraft.
When you owe any money to us, we will automatically attempt to take a repayment when we see money coming into your bank account subject to these conditions:
You can view your balance at any time by logging in to Tappily and checking your dashboard.
If a repayment we take when combined with other commitments does create a problem for you or give you financial difficulties, then please contact us immediately and we will endeavour to remedy the situation or point you in the right direction to obtain help and guidance.
Tappily’s service requires us to have read-only access to your Internet Banking. You need to disclose your online banking log-in details to be considered for a facility. If you are given a facility we review your balance and transactions on a daily basis and monitor any changes in your financial status.
You can log into your Tappily dashboard at any time to see how much credit is available to you and how much you owe, helping you to keep on top of your finances.
With Tappily’s easy-to-read interactive graphs, you can track and analyse your spending and develop better money management habits.
Your personalised dashboard shows your spending habits over time, which will enable you to budget more effectively.
Our interactive pie-charts automatically categorise your spending so that you can see exactly where you’re spending your money.
If you qualify for credit, you can set up your Tappily account to trigger auto-borrowing. Having auto-borrowing switched ‘on’ can help you avoid unauthorised overdraft fees.