Starling evaluates customer eligibility to make sure we’re lending responsibly. If you’re over 18, live in the UK, have a regular income from employment, self-employment or a pension, you might be eligible for an arranged Starling overdraft. You can check if you may be eligible below before you apply for a Starling personal current account.

The result of this tool depends on the accuracy of the information you give. The results serve as a guide and don’t guarantee that you will get an offer for an arranged Starling overdraft of any amount.

If you decide to apply for an arranged Starling overdraft after using this tool, you will be subject to creditworthiness, affordability and fraud checks. These checks may affect whether you can obtain an arranged Starling overdraft and the amount offered.

The information you give isn’t stored, and will only be used to provide your results. The eligibility tool doesn’t perform a credit check. Using it won’t negatively affect your credit file.

You can also use our cost calculator tool to check how much an overdraft could cost you.

If you already have a Starling personal current account, you can check your eligibility now, without negatively impacting your credit file, by heading to the Starling app.