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Assessing your application

Why is my application in manual review?

If your application has gone into manual review that simply means that we need to verify a few details before issuing our decision. You may be required to upload some documents (e.g. bank statements or payslips), use our open banking option and/or verify your identity by uploading a copy of your valid ID.

Our underwriting team is usually very quick and, as long as all the requested documents have been sent through, they tend to process manual reviews within 10 minutes!

Here are a few tips to help them process your application as quickly as possible:

  • For income verification, upload your documents in PDF format (we won’t accept pictures, scans or screenshots)
  • If you’re uploading bank statements, make sure you provide the full document and highlight the transactions that pertain to your income


If you’re still unsure what you need to send us, just contact our Support Team using our Live Chat or email them at customers@tabeo.co.uk and they will be able to help you!


My application is in manual review, what do I need to provide?

As soon as your application falls into manual review, the portal should immediately let you know what documents we need from you in order to process your application further.

If you’re still unsure what you need to send us, just contact our Support Team using our Live Chat or email them at customers@tabeo.co.uk and they will be able to help you!

 

What kind of checks will Tabeo run?

Tabeo will run a series of checks when assessing your eligibility for a loan. We’ll want to check your credit profile, verify the income you listed on your application and assess the affordability of your loan and confirm your identity.

Tabeo will only run a soft credit check throughout the application process which means that there is no impact to your credit profile even if the application is declined. We will only run a hard credit check if your application has been successful and you decide to take out the loan. The hard credit check usually takes place within 14 days of you making your first payment to trigger the activation of the loan. Do bear in mind that a hard credit will appear on your credit profile and may temporarily impact your score.

Why do I need to make an upfront payment?

Your first payment will trigger the activation of your loan and will count as the first installment towards your loan. You’ll need to make your first payment and activate your loan before you can start any treatment with your practice.

Once you’ve made the first payment, you’ll have to wait 14 days before you can be booked in for your treatment unless you choose to waive your cancellation rights. See our section on waiving your cooling off period for guidance on how to do this if you want to be booked in sooner.

N.B. 1 We aren't always able to approve financing for the amount you need to pay for a service or product. In these cases, instead of declining your application outright, we may ask you for a higher deposit payment. Regrettably, the upfront payment amount can’t be changed.

N.B. 2 If you've paid a deposit to your practice, this won't replace the deposit payment to trigger the activation of your loan.

 

I’ve made a mistake in my application, what should I do?

At the moment, it’s not possible to go back a step to edit your selections. If you’ve entered incorrect information in your application form, the best course of action will be to contact your practice to ask them to cancel the current application and send you a link to a new one to restart the process.

Your previous selections will be pre-populated for you already so you should be able to complete the second application much faster than the first time round. Just make sure you correct the bits that were wrong in the first instance!