Frequently asked questions

You can apply if you are a South African citizen or permanent resident aged 18 or older, earn a regular monthly income, and have an active South African bank account in your own name.

Please have the following ready: a copy of your green barcoded ID or smart ID card, your latest payslip, your latest three months' bank statements, and proof of residence not older than three months. These let us complete the affordability assessment the National Credit Act requires.

The online form takes about five minutes. If you start with the quick form on our home page, we save your details and you can finish the full application straight away.

Yes. Visit us at 50 Bester Street, Mbombela (Nelspruit), Monday to Friday between 08:00 and 18:00. Please bring your ID and supporting documents.

Most applications receive a decision within 24–48 hours once we have all your documents. We will contact you by phone or email as soon as your application has been assessed.

Once your loan is approved and you have signed your credit agreement, the funds are paid into your bank account — typically within 24 hours, depending on your bank's clearing times.

Yes. As a responsible, NCR-registered lender we check your credit record with a registered credit bureau and assess affordability based on your income and expenses. This protects you from taking on debt you cannot repay.

No. The National Credit Act does not allow us to extend new credit to consumers who are under debt review or sequestration.

Our loans are short-term: you repay over 1 to 6 months, in equal monthly instalments collected on your payday. Choose the shortest term you can comfortably afford to keep your total cost down.

Your total cost is made up of interest, a once-off initiation fee and a monthly service fee, all capped by the National Credit Act. Before you sign, you receive a pre-agreement statement and quotation that shows every cost and your exact instalment — there are no hidden charges.

Repayments are collected by debit order from your bank account on or just after your payday, so you never have to remember to pay.

Yes. You may settle your loan at any time. Contact us for a settlement quote — you only pay the outstanding balance plus interest and fees up to the settlement date.

Please call us as early as possible on 013 590 7275. We would much rather agree on a workable arrangement with you than let arrears build up.

We process your information in line with the Protection of Personal Information Act (POPIA). Your details are used only to assess and manage your application and are never sold to third parties. Read our Privacy Policy for more.

We will never ask you to pay an upfront fee before a loan is paid out. Our NCR registration number is NCRCP22652 and you can verify it with the National Credit Regulator on 0860 627 627. If in doubt, call us directly on 013 590 7275.