Why do they make it so hard? Looking to apply for a personal loan to pay off the car finance. Applied in dh name and he gets refused. Hasn't got a lot of debt himself generally I'm guessing that's the problem with him and I'm self employed so I've gone thru half the process then they need photos uploaded of a million different documents from HMRC. These are so hard to find and each document needs about 20 screenshots which will then take ages to upload individually. I'm so stressed!!