Employers and Loan Products
Configure what applicants can apply for — pre-verified employers, loan amount and term limits, application gates with custom messages, and the fee structures each loan carries.
Two settings areas shape every application before it's even started: the Employers registry, and Supported Applications — where you set loan limits, fees, and which application flows are open.
The Employers Registry#
Go to Settings → Employers. This is your list of pre-seeded employer records, used to verify and pre-populate the Employer step of loan applications. Each employer carries a name, registration number, contact person, salary day, structured address, and an Active toggle.
Select Add employer to create one — only the employer name and salary date are required.
Requiring Pre-Verified Employers#
The Employer verification card at the top controls how strict the application wizard is:
- Toggle on — applicants must pick their employer from your active list; manual employer entry is disabled. The wizard shows a "Select your employer" search, and the employer fields lock once chosen.
- Toggle off — applicants type their own employer details.
If you require pre-verified employers but have no active employers in the list, applicants can't submit applications at all. The page warns you when this is the case — add at least one active employer first.
Employer verification is a strong control against fabricated employment details, and pairs naturally with payroll-deduction lending where you only lend to employees of companies you have agreements with.
Supported Applications#
Go to Settings → Supported Applications to control the application flows themselves.
Application Gates#
Four flows each have their own gate: Personal loans, Business loans, Claims, and Insurances. The personal-loan gate drives the live application wizard — disable it and applicants see your disabled message instead of the wizard (for example, "New applications are paused over the December break — back on 5 January.").
Loan Amount and Term Limits#
Set the boundaries the wizard enforces:
- Minimum / maximum loan amount (ZAR) — leave the maximum blank for no cap.
- Minimum / maximum repayment term with a term unit of days, months, or years.
These translate directly into what applicants see: the amount field validates against your limits with exact messages, and the repayment-term dropdown offers only the range you allow.
Fees#
Fees are how the cost of your loans is expressed — there is no separate interest-rate field. Each fee has a name, a when charged moment, optional notes, and a pricing model:
| Pricing model | How it works |
|---|---|
| Flat fee | A fixed rand amount. |
| Percentage | A percentage of the principal, reducing balance, or monthly instalment — charged once-off, per month, or per instalment. |
| Base fee + % above threshold | A tiered structure like "R165 + 10% of the amount above R1,000, capped at R1,050" — with optional floor and cap. |
When charged options: once-off on disbursement, once-off on first instalment, monthly, per instalment, or on settlement.
Applicants see each fee described in plain language on their application detail page, so name your fees clearly — "Initiation fee" beats "Fee 1".
South African credit regulations cap initiation and service fees. The tiered model exists precisely so you can express NCA-style fee structures — set the cap field to stay inside the regulated maximums.