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.