From application to money in your account

Create an account and work through six short steps: your personal details, the amount and term you want, your bank account, your employment details, photographs of your NRC and a brief face verification video.

• Your progress saves automatically, so you can stop and come back
• The repayment summary updates as you choose your amount and term
• Everything happens on your phone, no branch visit

We confirm your identity against the NRC you uploaded and check your employee number, institution and payroll details. This is where most of the work happens, and it is why we can lend without collateral or a guarantor.

• Your NRC photographs are matched against your verification video
• Employee number and institution are checked against payroll records
• We contact your supervisor only if something needs clarifying

A credit officer reviews the verified application and makes a decision. If your salary cannot comfortably carry the instalment you asked for, we may approve a smaller amount rather than decline you outright.

• You see the approved amount, term and exact instalment in your account
• If we need something else, we tell you precisely what to fix
• A decision always comes with a reason

We transfer the funds into the bank account you gave us. Your repayment schedule appears on your dashboard the moment the money leaves us, so you always know what is due and when.

• Paid into an account in your own name, never a third party
• Your first instalment falls due one month after disbursement
• Report each repayment from your dashboard so we can credit it