Last updated 8 October 2026
Before you borrow
- Borrow only for something essential, and only what you need.
- Check the total you'll repay will still leave enough for rent, food, transport and other debts after payday.
- Avoid taking a new loan to repay another one.
Our commitments
- We assess every application for affordability using your payslip, bank statements, declared expenses and credit record, as the National Credit Act requires.
- We never lend to anyone under debt review, and we limit customers to one loan at a time.
- Our charges stay within the legal maximums and are shown in full before you apply.
- We don't use penalty interest, and we never threaten, harass or contact your employer or family about your debt.
- We explain why if we decline you.
If you're struggling
Contact us before your payday through the contact page. Depending on your circumstances we can discuss options.
You have the right to apply to a registered debt counsellor. You can find one through the National Credit Regulator: www.ncr.org.za or 0860 627 627.
Your credit report
You're entitled to one free credit report a year from each registered credit bureau. Check it for errors and dispute anything that's wrong with the bureau directly.