Help & frequently asked questions

No. The estimate is illustrative, so you can see roughly what a loan might cost before you apply. A real offer is only made in writing, and only after we've completed verification and an affordability check.

Your final pricing depends on your individual affordability assessment and the outcome of verification. These checks are done for your protection, so the figures in your written offer may differ from the initial estimate.

Your cost is made up of the loan amount, a once-off initiation fee, interest and a monthly service fee. Every one of these is shown to you clearly before you accept any offer, so you always know the full picture upfront.

No. All costs are disclosed upfront in your written offer before you accept, with nothing added afterwards.

The application itself takes just a few minutes to complete online. Verification timing can vary depending on the checks required, so rather than promise a fixed payout time, we keep you updated at every step.

You'll need a South African ID, proof of income, an active bank account in your name, and a South African cellphone number. See our full eligibility criteria for details.

Your repayment dates and amounts are set out clearly in your offer, before you accept it, so there are no surprises once your loan is in place.

Contact us as early as possible — we'd rather work out a solution with you than let things fall behind. If you're unhappy with how a matter is handled, you can also use our complaints process.

Your information is encrypted in transit, used only to process your application, and handled in line with the Protection of Personal Information Act (POPIA).

Never. We will never ask you for your PIN, password or one-time PIN. Please report anything suspicious to our support team right away.