We do some checks as you progress through the application including ID verification, credit enquiry etc. so we can aim to give you an outcome in minutes. However, these checks might take a few seconds. If your application has timed out, we recommend logging out of your app or online account.
Click on the personalised app link in the SMS that you would have received from your merchant. Ideally, you will be redirected to the same step in the application journey where it timed out.