Apply for a Loan
Walk through the eight-step loan application wizard — from setting your amount and term to uploading your ID, payslip, and bank statement — and learn what happens after you submit.
Applying for a loan happens in a guided, eight-step wizard. Each step validates as you go, your saved profile pre-fills most fields, and if a document upload hiccups you can safely retry without creating a duplicate application.
Before You Start#
Three things must be in place before the wizard opens:
- A verified email address. If yours isn't verified, you'll see "Verify your email to start an application" with a Verify email button that takes you to Settings → Security.
- An applicant profile. If no profile exists yet, the wizard asks you to complete your profile defaults first.
- Personal loans must be available. If your lender has temporarily disabled new applications, you'll see a message explaining why instead of the wizard.
To begin, select New Application in the sidebar.
The Eight Steps#
The header shows which step you're on — "Step 2 of 8" — with a title and description for each step. You can click back to any earlier step at any time; moving forward validates the current step first.
1. Amount#
Set the Requested amount (ZAR) and pick your Repayment term from the dropdown — the available range (for example 1–12 months) is set by your lender. This step also confirms your identity fields: ID number, First name, Last name, Email, and Phone number.
If the amount is outside your lender's limits you'll see exactly what's allowed, for example "Amount must be at least R500."
2. Address#
Your residential address: unit, street, suburb, city/town, country, province/region, and postal code.
3. Employer#
Who you work for and how you're employed:
- Employer name and Employer cellphone
- Salary date (day of month) — the day you get paid, 1–31
- Employment status — Permanent or Contract
- The employer's address
Some lenders require applications to use a pre-verified employer. If so, you'll see a "Select your employer" panel — search and pick your employer from the list, and the employer fields fill in automatically (and lock). If your employer isn't listed, contact your lender.
4. Bank Details#
Where the money is disbursed and collected: Bank name, Account holder, Account number, Branch code, and Account type (Cheque, Savings, Transmission, or Credit card).
5. Affordability#
An honest picture of your monthly money:
- Income — primary, other, and bonus income.
- Monthly expenses — accommodation, water & electricity, food, transport, education, medical, insurance, UIF, income tax, maintenance, credit card repayment, and loan repayments.
- Other — other loan repayments, your number of dependants, and a checkbox if you currently have other active loans.
6. Next of Kin#
A fallback contact: first name, last name, relationship (Spouse, Sibling, Parent, and so on), phone, and email.
7. Documents#
Upload the three required documents:
| Document | Why it's needed |
|---|---|
| ID Copy | Verifies your identity and prevents duplicate profiles. |
| Payslip | Confirms your affordability and employment details. |
| Bank Statement | Must match the bank details you entered in step 4. |
Accepted formats: PDF, JPG, PNG up to 5MB each.
8. Review#
Every section is laid out in summary tiles — amount, term, applicant, contact, address, employer, bank, next of kin, and each document. Check everything, then select Submit application.
Keep an eye on the Submission summary sidebar as you work — it previews your amount, tracks each document as Done or Pending, and shows your draft application ID.
Updating Your Saved Profile#
If anything you entered differs from your saved profile defaults, the wizard asks "Update your saved profile?" before submitting. Tick the sections you want saved for next time — address, employer, bank, affordability, next of kin — then choose Update & submit, or Skip & submit to use the details for this application only.
What Happens on Submit#
- Your application record is created once, then each document uploads with a progress bar.
- On success you'll see "Loan application submitted successfully." and land on your application's detail page.
- If a document upload fails, don't panic: "Application saved, but some documents still need attention." Retrying continues against the same application — no duplicates. You can also finish uploads later from the application detail page.
Once all three documents are in, your application moves from Created to Received automatically and joins the lender's review queue.