Our loan processing time is typically 12 hours to 5 business days, but it may vary depending on the type of loan, completeness of your application, and required documentation.
Security or collateral requirements depend on the loan type and amount. Some loans may require assets as security, while others may be unsecured.
Missing a loan repayment will result in late payment fees and may negatively impact your credit score. Please contact us immediately if you anticipate difficulties in making a repayment.
Yes, you can start your loan application online through our website. However, certain documents may need to be submitted in person.
We provide SME loans to a wide range of industries. However, we may have specific programs or requirements for certain sectors.
The maximum loan amount for SMEs varies depending on factors such as the business's financial performance, industry, and collateral.
While SME loans can be used for various business purposes, property purchases may require specific loan products. Please consult with our loan officers for more information.
We offer business advisory services to our SME clients to help them grow and manage their finances effectively.
We offer salary services bureau loans, private sector loans, and pensioner loans. SSB loans are exclusive to government employees, with repayments directly deducted from the government’s Salary Services Bureau. Private sector loans are available to individuals formally employed in the private sector, with repayments directly deducted from their salary by their employer. Pensioner loans provide financial assistance to pensioners who may have limited income streams. These loans can be used for various purposes, such as medical expenses, home renovations, debt consolidation, or leisure activities.
The maximum loan amount for individuals depends on factors such as income, employment status, and credit history.
No, we do not offer debt consolidation facilities.
Eligibility criteria for pensioners loans are flexible and consider the pensioner’s income and ability to repay the loan. Specific requirements may vary based on the loan amount and purpose.
The BNPL application process is straightforward. You can apply through our mobile app or website by selecting the BNPL option with participating merchants. Fill in the required personal and financial information, and upon approval, you can complete your purchase immediately.
BNPL offers credit to purchase a product, whereas our other loan products offer funds to be used personally or for the business at your discretion.
Yes, our mobile app allows you to apply for BNPL loans, track your purchases, manage repayments, and view your loan history conveniently.
Yes, these loans are meant to finance the purchase of assets like ICT gadgets and solar products. We believe that everyone should have the opportunity to enjoy the latest technology and eco-friendly solutions without financial constraints.