The Gambling Commission website uses cookies to make the site work better for you. Some of these cookies are essential to how the site functions and others are optional. Optional cookies help us remember your settings, measure your use of the site and personalise how we communicate with you. Any data collected is anonymised and we do not set optional cookies unless you consent.

Set cookie preferences

You've accepted all cookies. You can change your cookie settings at any time.

Skip to main content
This is new
Is this page helpful?

Does gambling affect my credit score?

Gambling businesses must not accept credit card payments for gambling. They shouldn't allow people to gamble with money they don't have.

Your credit score won't be affected by gambling unless you've borrowed money to gamble with. However, if you've gone into your overdraft this could affect your chances of being approved for a personal loan.

Mortgage applications

When you apply for a mortgage the lender will carry out affordability checks to make sure you can pay back what you owe. Usually, this includes looking at your bank statements for the last 3 to 6 months, therefore the lender will see any gambling transactions you've made during this time.

If you haven't borrowed money to finance your gambling and have a good credit history the transactions shouldn't affect your application, however, it's up to the individual lender. They'll look at any outgoing payments to help decide if you'll be able to make regular mortgage repayments.

For more information speak to your mortgage lender.