STEP 1 – Apply Online in Minutes

Complete our simple, secure online form in under 5 minutes. No paperwork. No calls. 100% digital.

You will be asked to upload:

• ✓ Latest Payslip
• ✓ Last 3 Months Bank Statements
• ✓ South African ID / Passport

This helps us verify your income and affordability instantly.

STEP 2 – Get an Instant Decision

Our smart AI system analyses your documents and details within seconds.

We automatically verify:

• ✓ Identity
• ✓ Income & employment
• ✓ Affordability
• ✓ Credit behaviour

You'll receive an instant outcome and your approved loan amount.

STEP 3 – Accept Your Offer & Get Paid

If approved, simply review your personalized loan offer and accept it online.

Once accepted:

• ✓ Funds are transferred quickly to your bank account
• ✓ Pay-outs take 24-48hrs (Excluding weekends & Public Holidays)
• ✓ No branch visits or manual steps

STEP 4 – Easy, Automatic Repayments

Repay your loan through DebitCheck or secure EFT on your salary date.

You get:

• ✓ SMS / email reminders before debit
• ✓ A clear repayment schedule
• ✓ No hidden charges
• ✓ The chance to build a positive repayment history

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