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For borrowers

How borrowing works

Four stages: register, verify, get your limit, then apply. The platform is automated and runs on email, so use an address you check often.

Start registration Calculate a repayment
1

Register your account

  • Fill in the registration form and select Borrower.
  • We email you a confirmation link. If it is not in your inbox, check Junk or Spam.
  • Click the link within one hour or it expires.
  • Expired? Log in with your username and password and you will be offered a fresh link.

Use a working email address. Every step — your agreement, the loan decision, funding confirmation and balance updates — arrives by email.

2

Complete your profile

  • Open your dashboard and go to My Profile.
  • Fill in your personal, work and bank account details.
  • Upload four documents: personal ID, work ID, your latest payslip, and a bank statement showing that pay.
  • If you have accounts at two different banks, use both — one as your main account and one as the nominated account.
3

We set your borrowing limit

  • Once your profile and uploads are complete, our admin is notified automatically.
  • We review your payslip and bank statement and set your limit at 60% of your take-home pay.
  • Your account becomes active and you can apply straight away.

No uploads, no activation. We cannot set a limit without a payslip and a matching bank statement, and without a limit the application form stays closed.

4

Apply and receive funds

  • Click Apply, then choose your amount and the number of days.
  • Your total repayable must stay below your limit — otherwise the system cancels the application automatically.
  • We email you the loan terms. Open it and click Digitally Sign Loan Agreement; the loan is not reviewed until you do.
  • Once approved and funded, the money goes to the bank account on your profile and you get a confirmation email.

Borrowing from a private lender? Enter their Lender ID (LUID) on the application form and their own terms apply instead of ours — see how rates work.

checklist Before you start

  • An email address you can access
  • Personal ID and work ID
  • Your most recent payslip
  • A bank statement showing that pay

trending_down Pay early, pay less

On a K1,000 loan taken for 14 days:

Settle on day 5K1,237.50
Settle on day 14K1,485.00
Day 20 (defaulted)K1,825.00
Run your own numbers

payments How to repay

Cash, deposit or electronic transfer. Put your loan reference in the description — if you are depositing, ask the teller to include it.

Save the receipt and upload it against the loan so we can reconcile it. Always log in first to check your Total Due, since interest changes daily.

Know the risk

What default means

We would rather you understood this before borrowing than after.

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Interest jumps to 4% a day

One second past your due date the loan is reclassified. Another 10% of the principal is added and the daily rate rises from 2.75% to 4%.

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Your limit is cut

Falling into default reduces your borrowing limit, and it keeps reducing on further defaults until you can no longer apply.

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Recovery action follows

Under the terms you sign, we may pursue recovery and list you with the Credit & Data Bureau. That affects future borrowing anywhere.

Read the full terms and conditions and our DCC data policy before you apply.

Open your borrower account

Registration takes a few minutes. Have your payslip and ID ready and you could be verified the same day.

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