You can apply:

• Online
• By phone: Call +44 783 974 9373 (Monday to Friday 8am - 8pm)
• In branch

No, there is not a fee.

You can do as many quotes as you like - we won't leave a footprint on your credit file until you've chosen your final individual quote and progressed to the lending decision.

In most cases, if your application is approved, you'll be able to sign up for your loan online (instead of Rafidain Bank sending you a paper agreement to sign and return). By signing for your loan online [electronic contracting] you'll be entering into a legally binding contract. You'll receive a copy of the loan agreement for your records, and this will be sent to you when the loan funds are issued.

In some situations electronic contracting may not be available to loan applicants, and in this instance a paper loan agreement will be sent to you to sign and return. Currently, we're unable to offer electronic contracting for joint applicants.

We offer a personalised price which is based on your individual circumstances and amount you wish to borrow. Therefore to be able to give you an accurate quote it is necessary to capture your personal details.

Once we've verified your application, then the agreement will be made and the loan funds issued to your nominated account. If you asked us to repay any existing loan you have with us, we'll use the new loan to repay it on your behalf and any surplus will be released to your nominated account.

The money will be credited to a Rafidain Bank account on the next working day following the release of loan funds. If funds are sent by Direct Credit to a non Rafidain Bank account, then it will take 3-5 working days for funds to be received in that account.

Rafidain Bank asks this question to make sure we're lending money responsibly to customers who can afford the loan for its lifetime. If you have a definite plan to return to work, then your 'return to work' income figure should only be entered if this is lower than your current income. If your 'return to work' income is the same as your current income then there's no need to change this, and you would answer 'no' to '...is your income likely to change during the period of the loan?'

There could be a number of reasons why you've been declined as each decision is based on your personal circumstances and by reference to a credit reference agency. The four most common reasons for a decline decision are:

• Account performance - the performance on one or more of your Rafidain Bank accounts currently falls below the standards we would expect from a Personal Loan applicant
• Information from credit reference agencies - information is shared with us from Credit Reference Agencies that can determine whether you'll be accepted for a loan
• Your credit score - we use your personal details to calculate a credit score  for you and this determines whether you'll be accepted for a loan
• Our internal policy rules - unfortunately at this time, you don't currently meet some of our required application criteria

If you have additional information to support your application that you feel may affect our decision, please let us know by calling +44 783 974 9373 (option 5). You'll need to quote your reference number.

Your circumstances can change over any given period and we'll be pleased to consider a new application from you in due course. However, if your circumstances have not changed since your last application it's unlikely that our decision will change. We will not refuse any application just because we have declined a previous one.

If you wish to check your credit reference data, you must contact the Credit Reference Agencies directly - Experian, Equifax and CallCredit

Please call +44 783 974 9373 (option 5) Monday to Friday 8am - 6pm.