How It Works
Simple, fast, and transparent. Get approved in minutes.
1
Complete Online Application (5 minutes)
Fill out our quick online form with your personal details, income, and banking information. No hidden forms or complex questions.
2
Upload Your Documents
Securely upload:
- Valid South African ID
- Latest payslip
- 3 months of bank statements
3
Affordability Assessment (Within 30 minutes)
We verify your income, assess your expenses, and perform a credit check in line with NCR regulations.
4
Instant Decision
Most applications are approved within 30 minutes. You’ll receive an email and SMS confirmation.
5
Same-Day Payout
Applications before 2 PM (weekdays): Funds in your account by 8 PM same day
After 2 PM or weekends: Funds by 11 AM next business day
6
Repay in Full After 30 Days
Simple debit order on your salary date. No multiple payments. No hidden fees.
✅ You’re approved when: Your monthly income is more than your monthly expenses, and you meet our affordability requirements.