Most finance companies in the United Kingdom (England, Wales, Scotland, Northern Ireland, Isle of Man, Jersey and Guernsey and other territories) require that you are declared resident in the UK. This does not mean that you are a citizen, just that you live and work (e.g. pay tax) in the UK. Loans for foreigners are available only if they meet these criteria. Foreigners who are visiting the UK cannot apply for a loan as the UK uses a credit scoring system.