Resource Center

We offer a variety of loan products including salary loans, biashara loans, school fees loans, and biashara loans. Each loan type has different terms, rates, and requirements to meet your specific needs.

Most applications receive a decision within 24 hours. Pre-qualification can happen instantly online, and once you submit all required documents, final approval typically takes 1-3 business days.

No, we don't charge prepayment penalties on any of our loan products. You can pay off your loan early without any additional fees, which can save you money on interest.

Typically, you'll need government-issued ID, proof of income (pay stubs, tax returns), bank statements, and proof of address. Additional documents may be required based on the loan type and amount.

Yes, our entire application process can be completed online. You can apply, upload documents, and track your application status through our secure online portal.

The initial application takes about 10-15 minutes to complete. Once submitted, you'll receive instant pre-qualification results, and final processing typically takes 1-3 business days after all documents are received.

Yes, you can log into your account anytime to check your application status, upload additional documents, and communicate with your loan specialist.

Interest rates are based on several factors including your income, debt-to-income ratio, loan amount, and loan term. We offer competitive rates and will provide you with the best rate you qualify for.

We offer both fixed and variable rate options depending on the loan product. Fixed rates remain the same throughout the loan term, while variable rates may change based on market conditions.

Loan terms vary by product type. All loans typically range from 1-6 months. Longer terms mean lower monthly payments but more interest paid over time.

We strive to keep fees minimal and transparent. Some loans may have origination fees, but we'll clearly disclose all fees upfront before you accept the loan. There are no hidden fees or prepayment penalties.

You can make payments online through your account, set up automatic payments, pay by phone, or mail a check. We recommend automatic payments to ensure you never miss a payment and may offer a rate discount for autopay enrollment.

If you miss a payment, we'll contact you to help resolve the situation. Late fees may apply, and missed payments can affect your credit score. Contact us immediately if you're having difficulty making payments so we can discuss options.

Yes, you can request to change your payment date by contacting customer service. We'll work with you to find a payment schedule that aligns with your budget and pay schedule.

You can pay off your loan early at any time without penalty. Early payoff can save you money on interest. You can make additional principal payments or pay the full remaining balance whenever you choose.