The process
How borrowing works
A clear, step-by-step process from your first request to repayment. No jargon, no surprises.
Step 1
Get started
Begin by sending us a message on WhatsApp, calling, or visiting our office. Tell us what you need the financing for and how much you’re looking for.
Step 2
Provide your information
We’ll ask for the information needed to assess your request - such as your personal or business details and any supporting documents our team requires. We’ll let you know exactly what’s needed.
Step 3
Application review
Your application is reviewed against our lending criteria. We look at the information you’ve provided to assess whether we can offer you a loan and on what terms.
Step 4
Approval
If your application is approved, you’ll receive confirmation of the loan terms - including the amount, the repayment schedule, and your obligations - before you accept.
Step 5
Disbursement
Once you accept the terms, your loan is disbursed through the available payment channel. Our team will confirm how and when you’ll receive the funds.
Step 6
Repayment
Repay according to the schedule you agreed to. Make sure you understand your repayment obligations before accepting a loan - and talk to us early if you run into difficulty.
Good to know
Borrow responsibly
- Approval depends on our review - submitting a request doesn’t guarantee a loan.
- Only borrow what you need and what you can comfortably repay.
- Read and understand your repayment schedule before accepting your loan.
- If your situation changes, contact us early - it’s easier to help when we know.
Ready to get started?
Need financial support?
Find out how you can get started with BNET Credit today.