1. Check loan amount

Use the calculator to know how much you want to borrow

View the cost before applying

2. Loan application

Fill the application form online

Submit documents at our outlets or Upload/Email docs

3. When do I get a decision?

We will analyse your application

You will receive a confirmation call from one of our agents

Decision made within 24 hours of receiving complete documents

4. Make a decision

Comfortable with our terms?

If approved, decide if you are comfortable with our terms and conditions

Loan disbursed to bank account

Loan is disbursed to your bank account

5. Repayment

Repay on time

  • You will qualify for a repeat loan at a lower rate
  • Having a positive repayment history can grant you access to larger loan amounts in the future
  • Reduce documentation on your next loan application

6. Late Repayment

It is important you stay current on your repayments, as late repayments can lead to unfavourable outcomes

We report late payments to National Credit Bureaus, which will affect your credit rating, and makes getting a loan more difficult and expensive in the future

We may charge fees on late repayments