How it works
From application to funds in four steps
No branch visits, no hidden charges and no surprises. Here is exactly what to expect.
Apply
Complete the online application. It takes about 10 minutes and you can choose your product, amount and tenor as you go.
- Personal and contact details
- Employment or business information
- Loan amount, tenor and purpose
- Bank account for disbursement
Verify
Provide the required information and documentation so we can confirm your identity, address and income.
- Valid means of identification
- Proof of address
- Bank statement and proof of income
- Business documents where applicable
Get approved
Our team evaluates your application and affordability, then issues a written loan offer showing every cost.
- Typically 24–48 working hours
- Offer states interest, fees and total repayment
- You accept or decline the offer
- Guarantor or security confirmed where required
Receive funds
Once the offer is accepted and all conditions are satisfied, funds are paid into your registered bank account.
- Disbursement to your verified account
- Transaction reference issued
- Repayment schedule confirmed
- Reminders before every due date
Repayment
Repaying your loan
Repayments can be made by bank transfer or deposit to the account stated in your loan agreement, on a weekly, bi-weekly or monthly schedule. Late repayment attracts default interest of 30% above your agreed rate, so contact us early if your circumstances change.
Ready to get started?
Apply online in minutes. You will receive an application reference number immediately after submission.