Opening new accounts
23 Mar 2021
Apply for a Term Loan
Get a personal loan at a fixed monthly repayment amount that suits you.
Step 1 of 16
Go to your home screen and tap More.
Step 2 of 16
Under Explore Products, tap Open a new account.
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Tap Personal Lending.
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Explore by tapping on the different sections for more information on each product.
Tap on GET QUOTE.
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Enter your Gross monthly income and Total monthly expenses and ensure that the details are correct.
Tap to agree to the Terms and tap NEXT to proceed.
Step 6 of 16
Your Options available to you are displayed.
Read through all the loan options available and choose the one most suited for your needs.
Tap APPLY under Term Loan.
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Now you can personalise your loan.
Change the amount you want to borrow (if you don't want the full amount offered). Once you are happy with the details tap NEXT to proceed.
Note:
You can save your application for a later time if you are unsure.
Step 8 of 16
Credit Life Insurance is required for this loan. Read the terms & conditions.
When you are ready, tap NEXT.
Step 9 of 16
Confirm whether you know Prominent Influential People or not. Answer the questions by selecting Yes or No where applicable.
Tap NEXT to continue.
Step 10 of 16
We need to confirm that your details are still correct.
Tap NO if not and to make any allowed updates.
Tap YES to proceed no changes are needed.
Step 11 of 16
We need you confirm your repayment details.
Select Delivery method and choose from the options provided. When you're done, tap NEXT to continue.
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We are almost there! Your agreement is being generated.
Select OK to continue.
Step 13 of 16
Tap VIEW at the top or the VIEW AGREEMENT button at the bottom to view your new personal loan agreement.
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Tap SIGN at the top right, or bottom right of the screen. Follow the instructions for digitally signing your loan agreement.
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Enter the One Time Pin (OTP) sent to your cell phone or email address.
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If you’re approved, the loan amount will be paid into your account.
Tap DOWNLOAD CONTRACT if you want a copy on your device.
Tap DONE to return to your home screen.
Apply for a loan on the app
Apply to see if you qualify for a loan.
Try it on the app
Scan the QR code to sign in
Register on the Banking App
* Network costs apply when downloading the app
Frequently asked questions about applying for a loan on the app
Can I apply for more than one loan at the same time?
No, you'll only be able to apply for one loan at a time.
After I get a loan offer, what happens if I choose SAVE FOR LATER? We'll save your loan offer for 7 days, during which you can return to complete your application.
After I get a loan offer, what happens if I choose SAVE FOR LATER? We'll save your loan offer for 7 days, during which you can return to complete your application.
Can I change the loan amount?
Yes, you can set a lower loan amount if the initial offer is more than you need.
What if I don't take out loan insurance? Do I need to provide my own?
Insurance is optional for a Revolving Loan.
For a Term Loan, you'll need to get loan insurance.
If you don't take insurance with us, you'll need to get your own
I initially asked for a smaller loan amount than what I qualified for. Can I still ask for the higher amount that was offered to me?
Yes, if you still qualify for a higher loan amount.
I want to change some details I entered earlier in my loan application. Can I go back to the previous screen?
You can, but you won't be able to change your details after you've been given a loan offer.
Can I make weekly, biweekly or monthly payments on my Term Loan?
Yes, you can.
I didn't get an SMS of the loan agreement. Where can I find it?
Sign into the app and go to the personal lending section.
Can I change my home address and employment details if I select NO on the loan confirmation screen?
No, unfortunately not. Please visit your nearest branch with proof of your home address and employment details.
What are my options if I don't agree with the loan terms?
You won't be able to get a loan unless you agree to the terms. Feel free to visit a branch or call us for more details.
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