First, see what repayment would look like
Use the calculator to compare the full cost and a term that fits your budget. Nothing you enter becomes an application. You can inspect the same example with and without a benefit.
Then, check what you would need
Review the age, identity, income and bank-account requirements. Prepare documents only for a verified secure application channel. Do not send bank statements, your SA ID or a bank PIN through a general email or WhatsApp conversation.
Read the requirementsAn assessment before any agreement
The provider verifies identity, reviews credit information and assesses affordability. Prior borrowing or a Circle benefit would not guarantee approval. Read the quotation, total cost, repayment date and mandate before deciding whether to accept.
One agreed repayment
The products have one scheduled payment. Bank cut-off times and payment processing can affect when funds are credited. Keep your payment confirmation and contact support if the balance does not reflect an agreed payment.
Understand repaymentsSupport hours
Monday-Friday 08:00-17:30
Saturday 08:30-13:00
SAST (UTC+2)