How it works
Five honest steps. No surprises. No "fine print" fees waiting at the end.
1
Sign up in 60 seconds
Create your account with just an email and a PIN. No credit check at this stage.
2
Apply & upload
Tell us about your income and expenses, then upload your ID, last 3 bank statements and a payslip. All encrypted in transit.
3
We review (up to 24 hours)
A real underwriter checks your documents and confirms what you can responsibly afford. You'll see the decision in your dashboard and over email.
4
Authorise the debit
You'll receive a SARB DebiCheck mandate to your phone. You approve it from your banking app — that's the only way we can debit you, and it gives you full control.
5
Cash in your account
As soon as you approve the mandate and confirm your payout account, the funds are released — typically within minutes of admin authorisation.
What you'll need
- South African ID number (13 digits)
- Active bank account in your name
- Last 3 bank statements (PDF)
- Most recent payslip or proof of income
- A working email and phone
- Permanent or contract employment