How it works
Four honest steps. No surprises. No "fine print" fees waiting at the end.
1
Sign up in 60 seconds
Create your account with just an email and a PIN. No credit check at this stage.
2
Apply & upload
Tell us about your income and expenses, then upload your ID, your last 3 to 6 months bank statements, and a payment certificate or payslip not older than 3 months. All encrypted in transit.
3
We review (up to 24 hours)
A real underwriter checks your documents and confirms what you can responsibly afford. You'll see the decision in your dashboard and over email.
4
Cash in your account
Once approved, our team pays the loan into your nominated account and sends you a proof-of-payment email. You can then track your balance and repay through your dashboard.
What you'll need
- South African ID number (13 digits)
- Active bank account in your name
- Last 3 to 6 months bank statements (PDF)
- Payment certificate or payslip (not older than 3 months)
- A working email and phone
- Permanent or contract employment