Move the sliders and see exactly what you'll repay — instalment, fees and final date — before you give us a single document.
Illustrative only. Your final quote depends on affordability, and is confirmed in writing before you sign.
Every instalment, every date — updating as you slide.
If you can tick these four, you can apply. If you can't yet, tell us — we'd rather say so now than run a credit check for nothing.
Valid Namibian ID or a passport with a work permit.
Salaried, contract or documented self-employed income for at least three months.
Any Namibian bank. This is where the payout lands.
Not under debt review or an active administration order.
No queue, no "we'll be in touch". Here is the actual sequence and who does what.
Documents checked and affordability calculated. Roughly two hours.
Amount, instalment, fees and the settlement date, in writing.
One link, one signature. Nothing to print.
Same working day if signed before 15:00.
Same application for all three — we'll place you on the right one based on your income and what you need the money for.
A bridge to your next salary date. Borrowed and settled inside one pay cycle.
Larger amounts spread over fixed monthly instalments, collected by debit order.
Working capital for informal traders and small shops, repaid weekly or monthly.
Get your quote from the calculator above, then apply. You can stop after any step and pick up where you left off from the link we SMS you.
Amount, term and what it's for — carried over from your calculation.
Name, ID number and contact details, exactly as on your Namibian ID.
Employer, income and existing monthly commitments.
Where your payout lands and how you'll repay.
ID, payslips, bank statements and proof of residence — photos are fine.
One last look before it goes to our credit team.
Takes about four minutes. You can stop after any step and pick up later from the same link.
Anyone can join — clients, shop owners, HR officers, taxi drivers. You get a code, you share it, and you earn a commission on every loan that pays out. No cap on how many.
Name, mobile number and the account you want to be paid into. Your code is generated on the spot.
WhatsApp, in person, on a poster. Your referral is tracked either way — by link or by code typed into the application.
Commission is released once the client's loan is disbursed, and paid out by EFT on the 25th of each month.
Most applications are decided within four working hours. If you sign your agreement before 15:00, the payout goes off the same working day. Bank Windhoek and FNB accounts usually reflect immediately; others can take until the next morning.
Not on its own. We look at affordability first — what's left after your existing commitments. A poor score may reduce the amount we can offer rather than block you outright.
Three components: interest, a once-off initiation fee, and a monthly service fee. All three appear in the calculator above and again on your written quote. Nothing is added later.
Yes, at any time, with no penalty. Call or email us for a settlement figure and you only pay the interest and service fees accrued up to that day.
A percentage of each loan that is disbursed through your code. It's confirmed the moment the client is paid out, and all confirmed commission is transferred on the 25th of the month.
Yes. Referral commission is separate from your loan account and is paid to you in cash by EFT, not credited against your balance — unless you ask us to do that.
No obligation, no credit check to get a number. The calculator is at the top of the page and takes about ten seconds.
