Terms and Conditions

1. Application and Governing Terms

 Your personal loan application is subject to these terms and conditions.

 2. Eligibility

 Personal loans are only available to South African residents aged 18 or older who can legally enter into a binding agreement.

 3. Loan Conditions

 All personal loans are subject to our Loan Conditions. If there’s a conflict between these terms and the Loan Conditions, the Loan Conditions will prevail.

4. Application Process

 Submit your application through our Online Application Form.

 5. Required Documents

 Ensure accuracy and completeness of your application by providing:

• ID document
• Proof of residence
• Latest payslip (x3)
• 3 months’ bank statements with official bank stamp

 6. Supplementary Information

 We may request additional information to comply with applicable law and evaluate your application.

 7. Use of Information

 You consent to our use of your provided information for evaluation and disclosure to credit bureaus and the national loan register.

 8. Loan Quotation and Agreement

 We may upload a Loan Quotation, Pre-Agreement, Loan Agreement, and Promissory Note to your online profile. The Loan Quotation is not an offer, and no contract will exist until acceptance.

 9. Acceptance

 If satisfied with the Loan Quotation, sign and upload it to your online profile within 5 business days.

 10. Approval and Agreement

 Upon receiving your signed Loan Quotation, we’ll upload an Approval Confirmation to your online profile, concluding a valid agreement.

 11. Loan Disbursal and Repayment

 We’ll pay the loan amount into your specified bank account, and you agree to accept payment and repay the loan according to the Loan Quotation and Loan Conditions.