Is this a credit check?
No. This step is an indicative eligibility check based on the details you share. A full credit and affordability assessment happens later, once you submit a formal application with the required documents.
Eligibility check
Check if You Qualify
Answer a few guided questions to receive an instant pre-qualification estimate. No credit check required.
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Income2
Loan Details3
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Eligibility FAQ
About this eligibility check
Will it affect my credit score?
No bureau enquiry is run during the eligibility check. A bureau enquiry is only performed once you proceed to a formal application and consent to it.
Does eligibility guarantee approval?
No. A positive eligibility result indicates that the basic criteria are met. Approval is still subject to a full NCA affordability assessment, document verification and product-sheet disclosure.
What information do I need to check if I qualify?
You need your monthly gross income, your monthly expenses, and the loan amount and term you are considering. The tool uses these to show an indicative affordability result.
Who can qualify for an Ndzinga Capital loan?
Salaried employees, self-employed applicants, pensioners and grant recipients with regular, verifiable income are considered. Every application is assessed individually against NCA affordability rules.
What happens after I qualify?
If the indicative result looks positive, you can continue to a full application. You will submit supporting documents and consent to the NCA-mandated affordability and credit checks before any offer is made.