💡 Everything You Need to Know

Getting Your Loan is Easy

Learn how our simple process works and get answers to the most common questions about personal loans.

From Application to Approval

1

Submit Your Details

Complete our straightforward online form with your personal, work, and banking information. No hidden surprises or complicated jargon.

Takes about 5 minutes
2

We Find Your Match

Our smart system instantly connects you with the most suitable NCR-registered lenders from our trusted network based on your profile.

100% secure & confidential
3

Cash in Hand

After approval, your loan is transferred directly to your bank account. Most clients receive their funds within 24 hours.

Fast EFT transfers

What You'll Need

Make sure you have these basics ready before you start your application.

Valid South African ID

You must be a SA citizen or permanent resident, aged between 18 and 65 years old with a valid ID number.

Proof of Employment

You need permanent employment with a verifiable income. Have your latest payslip and employer details ready.

Active Bank Account

An active South African bank account in your name where your salary is deposited and where we can transfer funds.

Recent Documents

Latest proof of income (payslip) and proof of address (utility bill or bank statement not older than 3 months).

Common Questions Answered

Can't find what you're looking for? Contact us directly.

How quickly can I get my loan approved?
Most applications are reviewed within a few hours. If you submit your application before noon on a business day, you'll typically receive a decision the same day. Once approved, funds are usually transferred within 24 hours via EFT.
What are the interest rates and loan terms?
Interest rates vary based on your credit profile, loan amount, and chosen term. The maximum APR is 28% per annum. You can choose repayment periods from 12 to 72 months. All rates and fees are disclosed upfront before you accept any offer.
Will applying affect my credit score?
Submitting your application may result in a soft inquiry, which doesn't impact your credit score. However, once you accept a loan offer from a lender, they may conduct a hard credit check. This is standard practice and disclosed in advance.
Are all your lenders registered with the NCR?
Yes, absolutely. Every single lender in our network is fully registered with the National Credit Regulator (NCR) and complies with the National Credit Act. Your protection and security are our top priorities.
Can I pay off my loan early?
Yes, you can settle your loan early. The exact terms depend on your lender, but most allow early repayment. Some lenders may charge a small early settlement fee, which will be clearly stated in your loan agreement.
What happens if I miss a payment?
If you miss a payment, you may be charged a late fee and it could negatively affect your credit score. Contact your lender immediately if you're having difficulty making payments - they may be able to arrange a payment plan or alternative solution.
How is my personal information protected? (POPI Act)

Protection of Personal Information:
We value the information that you choose to provide us and will therefore take reasonable steps to protect your personal information from loss, misuse, or unauthorised alteration. We may share personal information with our business partners if that information is required to provide the product or service you have requested. However, our business partners will adhere to using your information only as directed by us.

Use of Your Information:
Your personal information will be used to:

  • Process and manage your requests and application
  • Communicate with you regarding your inquiries and transactions
  • Provide you with information about our services and products
  • Comply with legal and regulatory requirements

Sharing of Personal Information:
By accepting our Terms & Conditions, you consent to the sharing of your personal information with our partners for Personal Loans, Wellness programs, Debt Rehabilitation as well as other related financial assistance and products. This may involve:

  • Assessing your credit worthiness and financial standing
  • Facilitating loan applications
  • Providing debt rehabilitation services to assist clients that are currently not creditworthy

Your Privacy is Important:
We will ensure that any third party with whom we share your information are bound by confidentiality and privacy obligations consistent with POPIA (Protection of Personal Information Act). We reserve the right to amend this Privacy Policy from time to time. Please ensure that you have read and understood the terms and conditions of this Privacy policy before you provide us with your personal information.

Ready to Get Started?

Your application is free, quick, and comes with no obligations. See if you qualify today.

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