Online applications Vs in branch??

meerkat1980

May seem like a daft question, but are online applications processed in exactly the same way as applications made in branch?

In theory, it should make no difference - as lenders will surely use the same criteria.

However, in past experience, I have found that most of my online applications get referred - whereas with in-branch applications, I have always had an instant decline or approval.

Has anybody ever applied for a product in-branch and had it referred?

aleph_0

My only experience of applying in branch wasn't good, they made a mistake with my address (so was rejected), they then fixed the address, and I was still rejected. A few days later, I got a letter in the post stating the reason for the second rejection was that it hadn't been long enough since my last application. *headdesk*

stclair

It depends when you apply on line for example some companies credit scoring is not live between certain times so they wouldn't be able to give you an immidiate decision.