Sainsburys and M & S Loan (Who gets accepted)

A question about : Sainsburys and M & S Loan (Who gets accepted)

Hi

Looking to get a loan of about Ј25K for home improvements.

Recently got a mortgage.

Just wondering what the acceptance levels are like on Sainsburys and M & S??

Don't want to put a footprint on Credit History as its at Excellent at the moment.

Also for these two lenders what kind of proof do they ask for etc??

Thanks

Ant advice greatly appreciated

Best answers:

• Use the loan eligibility checker on the MSE site.
  It will leave no trace on your credit history and give you an idea of whether or not you will get one. As i understand it at least 51% must get the advertised rate.
• Your excellent credit history means nothing to lenders, what they see is what's in your history and not your credit score.