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Why is this check mandatory?

Because Pay in 6 / 9 / 12 is a consumer credit product, Scalapay is required by law to assess whether a customer is able to repay the loan.

Consulting credit bureau data helps us:

  • comply with consumer credit regulations

  • ensure responsible lending practices

  • prevent over-indebtedness

  • reduce fraud and identity misuse.

For this reason, the creditworthiness check is a necessary step before granting a loan.

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