Trust rating

About our trust rating system

Once you become a Wonga customer, your trust rating determines how much cash you can apply for if you ever want to use our service again in the future. It's not a public number or position in a log, but rather our current view of how much money we are prepared to let you apply for.

In line with our commitment to responsible lending, if you've never used our service before the most we'll offer you is $600. This maximum amount can gradually increase, up to $1500, if you continue to use Wonga responsibly and repay our trust in you over a significant period of time. Unlike traditional lenders, our trust rating system is not designed to let you rapidly increase the amount of money you can borrow, or automatically mean you can apply for more based on timely repayment of a previous loan. We take thousands of factors into consideration so, for this reason and your security, our customer care team don't have access to the details of these decisions and won't be able to explain why any changes have occurred.

We assess every single application we receive on an individual basis and our automated system uses objective data to assess the suitability of any loan you apply for, at that exact moment in time. So if our technology identifies any concerns about your previous use of our service, or your overall financial health, we may also freeze or reduce your trust rating and therefore the amount of cash you can apply for. In some cases, we may even decline an application altogether, because we only want to help you if we believe you can comfortably afford the loan you request.

The amount available for you to apply for at any one time will be shown by the cash amount slider whenever you login - your own slider.

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