Am I eligible?
Here's what you'll need to apply. Meeting these doesn't guarantee an offer — it's the starting point for our affordability check.
What you'll need
The basics.
- A South African IDYou must be 18 or older and a resident.
- Regular incomeYou're employed and can show recent proof of income.
- An active bank accountIn your name, where your salary is paid.
- A South African cellphone numberSo we can verify and keep you updated.
What happens next
We check affordability.
After you apply, we assess whether the repayments fit your income before making any offer. This protects you from taking on debt you can't afford.
See the full processYou may be asked for
Documents to have ready.
Proof of identity
Your South African ID.
Proof of income
A recent payslip or bank statement.
Proof of banking
An account in your name.
If the answer is no
A decline is not a judgement of you.
Most declines come down to arithmetic, not character. These are the usual reasons, so you are not left guessing.
- The instalment does not fit
Our affordability check says the repayment would not leave you enough to live on.
- Income could not be verified
We could not confirm regular income from the documents provided.
- Existing commitments
What you already repay each month leaves no room for another instalment.
- Identity could not be confirmed
Details did not match, which we treat seriously because it is also how fraud looks.
You may apply again. If your circumstances change, nothing stops you coming back.
Ready when you are
See what you could qualify for.
Run the numbers in a couple of minutes and see the cost and terms before you apply for anything.