All CommuterClub loan applications go through an underwriting process conducted by our loan providers Zopa.
All application should be underwritten within 72 hours of underwriting submission under normal circumstances and within one week after you provide your fully completed documentation. You will then receive an email with the outcome of your application.
There might be instances when your application is approved after the start date you originally requested for your ticket. Not to worry! We can push that ahead and you can still benefit from a CommuterClub ticket for 12 months exactly!