Before responding to your request for an offer Lula will complete an affordability assessment based on your NightsBridge Pay transaction history that has been sent to them.
Wait for an email confirming Lula is offering you a cash advance
You will receive an email stating that you're able to get an advance and you must log into NightsBridge again to proceed.
Please note: Offers expire after 7 days. If an offer lapses, you may restart the process to potentially receive new offers.
If Lula cannot offer a cash advance you will receive an email to let you know that your request has been declined.
Access your offer/s via the Lula application in NightsBridge
Review the funding amount and repayment terms
Here you are able to see how changes to the amount you need and the length of the repayment plan will affect the total repayment amount.
That's it! You are done.
If you are happy with the funding amount and the repayment terms you can accept and confirm the offer, then wait for the funding to arrive.
The offer made at this stage is guaranteed and your application would be subject to a credit assessment should you wish to submit an application for funding.