From estimate to funds, clearly explained.

Turnaround depends on the product. Personal loans typically take 24 to 48 hours subject to full document submission. Purchase-order funding takes 48 to 72 hours subject to purchase-order verification. Short-term loans depend on document review, affordability checks and daily cut-off times. All timelines are subject to the National Credit Act affordability assessment in step 3.

South African identification, recent proof of income and bank statements covering the most recent statement period. Documents are uploaded through the secure application workflow in step 2. Additional documents may be requested where the affordability assessment in step 3 needs further verification.

The National Credit Act requires registered credit providers to perform an affordability assessment before granting credit. This includes a review of income, declared expenses and existing debt obligations to confirm the client can service the new repayment without becoming over-indebted. Ndzinga performs this assessment as part of step 3 of the workflow.

The credit team confirms the outcome and next steps by SMS, email or advisor contact, depending on the channel the client selects during application. Approved applicants then move to step 5 to review and sign the pre-agreement statement and credit agreement before disbursement in step 6.