Help
Questions
What people ask us before they apply. Still not sure? Ask us to call you.
Personal loans
What documents do I need?
Your ID, your latest payslip and your recent bank statements.
Will you check my credit record?
Yes. The law requires a credit and affordability check before every loan.
Can I apply in my own language?
Yes, in any of seven languages. The English version of your agreement applies.
How do I repay?
By debit order on the day you are paid. You can also settle early at any time.
How much can I borrow?
It depends on your income, your expenses and your credit record. We only lend what you can afford to repay.
What does a loan cost?
Interest, an initiation fee and a monthly service fee, within the limits the National Credit Act sets. You see each one, and the total, before you sign.
Can I settle my loan early?
Yes, at any time. Ask us for your settlement amount.
What if I can’t pay an instalment?
Tell us as soon as you can, so we can talk about your options.
How do you look after my information?
We use it to assess and manage your loan, as our Privacy and POPIA pages explain.
Shop
Is a Shop purchase a loan?
Yes. You buy on credit and repay it like any loan, after the same affordability check.
How do I get my token or voucher?
By SMS, as soon as your purchase goes through.
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