After confirming your eligibility for a loan, you can start shopping at any of our retail partners and use the loan to pay for your purchases. It's important to note that your loan eligibility is valid for a period of 90 days from the date of approval, so it needs to be used within that time or it will expire. If your loan eligibility has expired, you will need to submit a new application to be considered for a loan again. Please keep in mind that every application requires a hard credit check, as explained in the details about Credit Searches above. You can see more information on hard credit checks here