How it works
From your first enquiry to understanding repayments, know what to expect at each stage. Review the details and decide at your own pace.
01
Tell us what you need
Share your contact details and question. An enquiry is not a completed loan application or a guarantee of approval.
02
Understand the requirements
Check applicable eligibility and required documents. Submit identity, income and bank information only through the authorised application channel.
03
Complete verification and assessment
The lender reviews your application and may request more information. Decisions, loan amounts and terms depend on assessment.
04
Read your offer carefully
Review lender identity, Key Facts Statement, APR, charges, repayment schedule and applicable exit terms before accepting.
05
Accept and complete the formalities
If you choose to proceed, complete the agreement and remaining requirements. Disbursal follows the applicable conditions and verification.
06
Keep track of repayments
Follow the instructions and due dates in your loan documents. Retain transaction references and check account updates.
Before you begin your enquiry
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Have your current contact information and identifying details ready for the form.
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Verify the specific eligibility criteria and required documents for your chosen product.
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Always borrow within your means and consider your future repayment capacity.
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Secure your sensitive data. Never share passwords, OTPs, or CVV codes during your enquiry.
Frequently Asked Questions
Find clear answers to common queries about our process, costs, and terms.
Does an enquiry guarantee loan approval?
No. An enquiry is a request for information and does not complete a loan application or guarantee approval.
What documents will I need to provide?
Documents depend on the lender, product and applicant. Typically these include identity, address, income and bank details as specified in your application form.
How long does it take to get a decision?
Timing depends on complete information, verification and the lender’s assessment process. There is no fixed time promise.
Where can I see the costs involved?
Costs, including interest, charges and applicable fees, appear in your specific loan offer and Key Facts Statement (KFS). Review these carefully before accepting.
How do repayments work? What is 'Pay Now'?
Repayments follow the schedule and instructions in your loan documents. Any online 'Pay Now' option will be activated only after setup and will follow those instructions. Until then, use the repayment routes in your documents.
Can I close my loan early? Are there terms for this?
Early closure depends on the applicable terms for your loan. Request a current closure statement and follow the instructions provided. Charges, if any, will be shown in that statement.