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As a responsible lender, we won’t let you take out a loan that we think could result in you struggling to make repayments. But rather than declining your loan, we may offer you a lower amount. It’s completely up to you as to whether you want to take up an offer for a lower amount, but we’d rather give you an option that might still help you out.

For the same reasons above, we may give you an offer with a longer loan term than you asked for. Extending the loan term will also help lower your monthly repayments.