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Step 1: 1st time must be done in person.

If this is your first time applying, please visit our office to complete the application and verify your identity. Bring the following documents: NRC (National Registration Card) / Latest three (3) payslips / Recommendation Letter from H.R. / Last half years Bank Statements. --------------------- Please note: This one-time, face-to-face process ensures compliance and builds trust.

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Step 2: Verification & Eligibility

Our team will verify your employment status, income, and documents. Once verified, you’ll be registered in our system for future online access.

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Step 3: Loan Assessment & Offer

Based on your net salary and repayment ability, we’ll provide you with a loan offer, clearly showing: Approved amount | Repayment term and interest | Monthly deduction ---------------------------------------------------- You’ll sign the agreement in person during your first visit.

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Step 4: Disbursement

After approval, your loan will be disbursed directly to your bank or mobile money account, usually within 12 hours.

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Step 5: Repayment & Re-Application

Repayment is done via payroll deduction for convenience. Once registered and with a good repayment record, you can reapply online for top-ups or new loans.

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