-Interior Refinement

-Modern kitchen makeovers tailored to your lifestyle.

-Professional tiling for floors and walls.

-Stylish ceiling installations and decorative finishes.

-High-quality interior paintings to refresh your living space.

-Structural & Exterior Upgrades

-House extensions to grow your living area.

-Roof repairs or replacements for long-term protection.

-Exterior painting to boost curb appeal.

-Durable paving for driveways, walkways, or yards.

-Full plumbing installations and upgrades to

 ID card.

Proof of Income: Your latest payslip (please provide your 3 most recent payslips).

Bank Statements:Your latest  3 months' bank statements showing your salary being paid in electronically.

For Self-Employed Entrepreneurs

Identification: Your original South African ID book or Smart ID card.

Financial Records: 6 months of recent personal and business bank statements.

Income Verification: A letter of drawings from your accountant or your latest 2 years of Annual Financial Statements (AFS).

For SASSA Pensioners

Identification: Your original South African ID book or Smart ID card.

Proof of Payment:  A recent bank statement specifically showing your SASSA pension payment

Identification: Your original South African ID book or Smart ID card.

Proof of Income: Your latest payslip (please provide your 3 most recent payslips).

Bank Statements: Your latest  3 months' bank statements showing your salary being paid in electronically.

For Self-Employed Entrepreneurs

Identification: Your original South African ID book or Smart ID card.

Financial Records: 6 months of recent personal and business bank statements.

Income Verification: A letter of drawings from your accountant or your latest 2 years of Annual Financial Statements (AFS).

For SASSA Pensioners

Identification: Your original South African ID book or Smart ID card.

Proof of Payment: A recent bank statement specifically showing your SASSA pension payment

Identification: Your original South African ID book or Smart ID card.

Proof of Income: Your latest payslip (please provide your 3 most recent payslips).

Bank Statements:Your latest  3 months' bank statements showing your salary being paid in electronically.

For Self-Employed Entrepreneurs

Identification:Your original South African ID book or Smart ID card.

Financial Records: 6 months of recent personal and business bank statements.

Income Verification: A letter of drawings from your accountant or your latest 2 years of Annual Financial Statements (AFS).

For SASSA Pensioners

Identification: Your original South African ID book or Smart ID card.

Proof of Payment: A recent bank statement specifically showing your SASSA pension payment

Identification: Your original South African ID book or Smart ID card.

Proof of Income: Your latest payslip (please provide your 3 most recent payslips).

Bank Statements:Your latest  3 months' bank statements showing your salary being paid in electronically.

For Self-Employed Entrepreneurs

Identification:Your original South African ID book or Smart ID card.

Financial Records: 6 months of recent personal and business bank statements.

Income Verification: A letter of drawings from your accountant or your latest 2 years of Annual Financial Statements (AFS).

For SASSA Pensioners

Identification: Your original South African ID book or Smart ID card.

Proof of Payment: A recent bank statement specifically showing your SASSA pension payment

Identification: Your original South African ID book or Smart ID card.

Proof of Income: Your latest payslip (please provide your 3 most recent payslips).

Bank Statements:Your latest  3 months' bank statements showing your salary being paid in electronically.

For Self-Employed Entrepreneurs

Identification:Your original South African ID book or Smart ID card.

Financial Records: 6 months of recent personal and business bank statements.

Income Verification: A letter of drawings from your accountant or your latest 2 years of Annual Financial Statements (AFS).

For SASSA Pensioners

Identification: Your original South African ID book or Smart ID card.

Proof of Payment: A recent bank statement specifically showing your SASSA pension payment

Identification: Your original South African ID book or Smart ID card.

Proof of Income: Your latest payslip (please provide your 3 most recent payslips).

Bank Statements:Your latest  3 months' bank statements showing your salary being paid in electronically.

For Self-Employed Entrepreneurs

Identification:Your original South African ID book or Smart ID card.

Financial Records: 6 months of recent personal and business bank statements.

Income Verification: A letter of drawings from your accountant or your latest 2 years of Annual Financial Statements (AFS).

For SASSA Pensioners

Identification: Your original South African ID book or Smart ID card.

Proof of Payment: A recent bank statement specifically showing your SASSA pension payment

​To apply for a loan at either institution, you generally need to meet these basic criteria:

• ​Citizenship: You must be a South African citizen.

• ​Age: You must be 18 years or older (and typically under 65).

• ​Identification: A valid South African ID book or card is required.

• ​Income Status: * Full-time Employees: Must earn a regular income paid directly into a bank account.

  • ​**Pensioners: SASSA pensioners are eligible to apply (recent bank statement showing pension payment is required).

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  • ​Financial Health: You must not be under administration, sequestration, or debt review.