Questions, answered plainly

Most applications are answered within an hour during business hours, provided we have all your documents. If something's missing we'll tell you immediately rather than leaving you waiting.

Loans range from R500 to R8 000. The amount you're offered depends on your income and your affordability assessment — we won't approve an instalment your budget can't carry.

Your South African ID, your latest payslip, three months of bank statements for the account your salary goes into, and proof of residence. Photos taken on your phone are fine.

Yes, provided you can show regular income. Send us three to six months of bank statements and we'll tell you honestly whether we can help.

Interest, initiation and service fees are charged within the maximums set by the National Credit Act. You'll see the full cost of your loan in writing — the amount, the instalments and the dates — before you sign anything.

Tell us before the date, not after. We'd far rather work something out with you early than deal with a missed debit order. Talk to us and we'll look at the options.

Yes, at any time, with no penalty. Message us for a settlement figure.

Send us their name and contact number — on WhatsApp, or through the referral form. That's the entire job. Please make sure they know you're passing on their details.

Your commission is a share of the loan your referral takes out, so a bigger loan pays you more — up to R1 600 on our largest loan of R8 000. See what any loan size pays on the referral page. It's paid once their loan is settled, and we'll message you when the payment goes out.

None. We handle the application, the documents, the credit checks, the communication and the payout. You make the introduction, we do the work.

No. There's no joining fee, no monthly cost, no minimum number of referrals and no targets. Refer one person a year or ten a month — it's up to you.

Yes. Salons, spaza shops, garages, funeral parlours, driving schools, HR departments — anyone who deals with people who occasionally need finance. We can set you up with your own referral link and WhatsApp shortcut.

They're treated exactly like any other client: a proper affordability assessment, a clear explanation of the costs, and an honest answer either way. We won't push a loan onto someone who shouldn't take one — your name is attached to the introduction, and we take that seriously.

Straight into your bank account. We'll take your banking details once your first referral is approved, and you'll get a message confirming each payment.