FAQ
Questions before you apply.
Search eligibility, product and repayment answers before entering the application funnel.
This page collects the questions Ndzinga Capital is asked most often about the business, eligibility, products and repayment. Every answer is written to be plain-language and consistent with the National Credit Act (NCA), where relevant. Where a question requires a formal disclosure, the answer points to the document that carries it.
Use the search to find a specific topic, or filter by category — General, Eligibility, Products or Repayment. If the answer you need is not here, the Contact page links to the team and the formal complaints route.
General
Yes. Ndzinga Capital is a registered credit provider with the National Credit Regulator (NCRCP22127) and an authorised Financial Services Provider under FAIS (FSP 55648). Credit is governed by the National Credit Act and personal data by POPIA.
Use the qualify check for an instant, indicative affordability estimate. It runs no credit-bureau enquiry. A formal application then applies the full NCA affordability assessment before any offer is made.
Documents and personal data are handled under POPIA-aware consent and stored in the client portal with access logging. You can request access, correction or deletion through the Privacy & POPIA Notice.
Use the Contact page for enquiries or to lodge a complaint. Complaints follow the NCA and FAIS escalation routes, with referral to the National Consumer Tribunal or the FAIS Ombud where a matter is unresolved.
Eligibility
You must be 18 or older, have valid South African identity documentation, regular verifiable income and a bank account in your name.
Not necessarily. Ndzinga can consider salaried employees, self-employed applicants, pensioners and grant recipients where income is regular and verifiable.
Not automatically. Each application is assessed individually, but debt review, administration or affordability concerns can affect the outcome.
Usually ID, proof of income, bank statements and proof of address. PO funding also requires purchase order verification.
Products
PO funding advances working capital to a South African business against a verified purchase order from a creditworthy buyer, repaid once the order is fulfilled. It is subject to purchase-order verification and a credit review.
Short-term loans range from R2,001 to R10,000, personal loans from R2,000 to R100,000, and PO funding from R10,000 to R500,000 subject to verification.
Short-term loans accrue interest daily at a fixed monthly rate. Personal loans use reducing balance pricing. PO funding may accrue daily based on the approved structure.
Applicable fees are disclosed before signature and must align with NCA requirements.
Short-term loan timing depends on document and affordability checks. Personal loans typically take 24 to 48 hours after document verification. PO funding depends on purchase order checks.
Repayment
Repayments are usually collected by debit order, with EFT or other approved payment options available where applicable.
Yes. Early settlement is allowed and can reduce the total interest charged.
Contact Ndzinga as early as possible. Missed payments can affect your credit profile and may attract charges under the agreement.
Payment holidays are not standard, but hardship cases can be reviewed individually.
Still have questions?
Speak to the team or continue into eligibility when you are ready.