Frequently Asked Questions

You can borrow between R500 and R2,000, depending on your income and credit profile. Our loan calculator on the homepage can help you determine the right amount for your needs.

Most applications are reviewed within 24-48 hours. In many cases, you can receive approval on the same day if you submit your application early and provide all required documents.

Before we pay out, complete three steps in this order. 1. Read and sign your loan agreement in your customer portal. 2. Approve our debit order mandate in the portal. Your bank may also ask you to approve the debit order in your banking app. 3. Send your bank statement for the last 3 months directly from your banking app to the email address in your approval email and customer portal. We pay out once all three steps are done.

You will need a copy of your South African ID, recent payslip (if employed), and bank statement from the last 3 months. All documents can be uploaded directly through our secure online application.

You repay the full amount in one payment on your next payday. When you apply, you give us the date of your next payday, which must be 6 to 30 days from today. If your next payday is less than 6 days away, choose the one after it.

You pay four once-off charges, each a fixed percentage of the amount you borrow: an initiation fee of 15%, a service fee of 6%, interest of 19% and an admin fee of 3.17%. For example, if you borrow R1,000 you repay R1,431.70 in total. 5% of the loan amount (R50.00 on R1,000) is saved for you in your Borrow, Save & Earn savings, so R950.00 is paid into your bank account. The saving does not reduce the amount you repay. The charges do not change with your repayment term, and there are no hidden costs. Use our calculator to see the exact total for your loan.

Yes. You can pay off your loan early at any time without a penalty.

We understand that unexpected situations arise. Please contact us immediately if you anticipate missing a payment. We may be able to arrange an alternative payment plan.

Absolutely. We use bank-level encryption to protect your personal and financial information. We are fully POPIA compliant and never share your information with third parties without your consent.

Yes, we perform credit checks as part of our responsible lending practices. This helps us ensure that the loan is affordable for you and meets regulatory requirements.

Once your loan is approved, sign your loan agreement, approve our debit order mandate in your customer portal and send your bank statement for the last 3 months directly from your banking app. When all three steps are done, we pay the loan amount, less the 5% saved for you, into your bank account.