How It Works
Getting a loan with Andzani is simple and straightforward. Follow these 4 easy steps to get the cash you need quickly and securely.
Apply Online
Complete our simple 4-step application form with your personal and financial details.
- Fill in your personal information (name, ID number, contact details)
- Specify your loan amount and the date of your next payday
- Provide employment and income details
- Add banking information and upload required documents
- Give consent for credit checks and agree to terms
Step 1: Apply Online
Instant Credit Check
We perform a quick credit assessment to determine your eligibility and loan terms.
- Automated credit bureau check with major South African credit bureaus
- Income verification and affordability assessment
- Risk evaluation based on your credit history
- Instant preliminary approval or decline decision
- Final loan terms and interest rate determination
Step 2: Instant Credit Check
Quick Approval
Receive your approval decision and loan agreement within 24-48 hours of application.
- Manual review of your application by our credit team
- Document verification and additional checks if needed
- Final approval decision communicated via SMS and email
- Digital loan agreement sent for your electronic signature
- Clear breakdown of loan terms, repayment schedule, and costs
Step 3: Quick Approval
Get Your Cash
After approval, sign your loan agreement, approve our debit order mandate and send your bank statement for the last 3 months. We then pay your loan into your bank account.
- Sign your loan agreement and the Borrow, Save & Earn Policy online
- Approve our debit order mandate in your customer portal (your bank may also ask you to approve it in your banking app)
- Send your bank statement for the last 3 months directly from your banking app
- We pay the loan amount, less the 5% saved for you, into your bank account
- SMS and email confirmation when your money is paid out
Step 4: Get Your Cash
Required Documents
To process your loan application quickly, please have these documents ready. All documents can be uploaded securely through our online application.
South African ID Document
Clear copy of your South African ID book or smart card (both sides)
Recent Payslip
Your most recent payslip (not older than 3 months) showing your current income
Bank Statement
3 months of bank statements from your primary account showing income and expenses
Document Requirements
- • All documents must be clear and legible
- • Accepted formats: PDF, JPG, PNG (max 5MB per file)
- • Documents must be recent (not older than 3 months)
- • Additional documents may be requested during review
Expected Timeline
Here’s what you can expect from application to funding
Application Submitted
You complete and submit your online application
Instant Credit Check
Automated credit assessment and preliminary decision
Manual Review & Approval
Our team reviews your application and makes final decision
Agreement, Debit Order and Statement
Sign your loan agreement, approve the debit order mandate and send your bank statement for the last 3 months from your banking app
Funds Transferred
We pay into your bank account once all three steps are done