A loan you can understand before you sign it.
Apply from your phone, upload your documents, and see exactly what you will pay each month. No branch queues, no surprises in the small print.
From sign-up to money in your account
Six steps, and you can see where you are at every one of them.
-
Create your account
Register with your email and cell number, confirm it with a one-time code, and accept our terms and privacy notice.
-
Complete your application
Eight short steps covering your details, work, income, expenses and the loan you want. Your progress saves automatically.
-
Upload and verify
Upload your ID, payslip and proof of address. We verify your identity and bank account, and ask your permission before any credit check.
-
We assess and review
We check affordability, and a staff member reviews your application. Follow each status from your dashboard.
-
Review and sign
If approved, read your agreement and the full cost of credit, then sign online. Nothing is binding until you sign.
-
Get paid, then repay
We pay out to your verified bank account once everything is confirmed. Repay online, track your balance and download statements.
Built so you always know where you stand
-
A person makes the final callOur system does the sums. A trained staff member confirms every decision, and you get the reasons if the answer is no.
-
Your data stays protectedDocuments are stored privately and encrypted. We only check your credit with your separate permission, and you can withdraw consent at any time.
-
Every fee itemisedInterest, initiation and service fees are listed separately, with the total cost of credit shown up front.
-
Pay when it suits youPay online by card or EFT, or set up a secure debit order. Settle early and download your statements whenever you need them.
See the full cost, not just the instalment
Your agreement lists everything you will pay, in rand. This table updates as you move the sliders above.
Estimate only. Your final figures depend on the product you choose and are calculated by our system when you apply. Fees include VAT.
| Item | Estimate |
|---|---|
| Amount you receive | R0.00 |
| Initiation fee (once-off) | R0.00 |
| Interest over the loan | R0.00 |
| Monthly service fees | R0.00 |
| Total you repay | R0.00 |
What to have ready
Keep these to hand and you can finish in one sitting.
Your South African ID
A clear photo of your ID card or smart ID, plus a selfie if we ask for one.
Proof of income
Your latest payslip, or bank statements if your income varies.
Proof of address
A recent utility bill or bank statement showing your name and address.
Your bank details
A South African account in your own name, so we can pay you and verify it.
Common questions
Who decides if I get the loan?
Our system checks your application against our lending rules, and a staff member reviews and confirms every decision. If we decline, we tell you why and how to query the outcome.
Will you check my credit record?
Only if you give permission during your application. You can read exactly what you are agreeing to, and you can withdraw consent later from your profile.
Can I save my application and finish later?
Yes. Your progress is saved as you go, and you can pick up from the same step on your phone or computer.
Can I pay my loan off early?
Yes. Request a settlement quote from your dashboard to see the amount needed to close your loan on a given day.
How do you assess whether I can afford the loan?
We compare your verified income against your expenses and existing debt, and calculate what is left after the new instalment. We keep a record of that assessment, and a person reviews it before any decision is final.
How long does it take?
The application takes about ten minutes. How long approval takes depends on how quickly your documents and details verify. Your dashboard shows the status of your application at every stage.
How do I repay?
Pay online by card or EFT, or arrange a debit order. Every payment is confirmed with our payment partner before it shows on your account, so your balance is always accurate.
What if I struggle to make a payment?
Contact us as early as you can, before you miss one. We would rather work out a plan with you than let things slip.