Frequently Asked Questions

Individuals with a valid South African ID, a regular source of income and an active bank account may apply. All applicants must meet ImaliFin's affordability and credit assessment requirements.

Click Apply Now on the Personal Loans page. You'll be redirected to VulaCheck, our secure application partner, where you can complete your application on your phone or computer.

You'll be asked for your personal details, employment and income information, and bank details. VulaCheck will guide you through everything needed during the application.

If your application is approved, you'll receive the applicable loan agreement setting out the amount, repayments and terms. Once the agreement is accepted, the loan proceeds.

Registered small businesses with an active business bank account and at least R7,000 in monthly turnover, that meet ImaliFin's affordability and credit assessment requirements.

Complete our online Business Loan application directly on this website. It takes you through business details, financial information, owner information and document uploads, and you'll receive a reference number once submitted.

Yes. Your business must be registered, and you'll need to provide its registration number and registration documents.

Your business must generate a minimum of R7,000 in monthly turnover.

Businesses may apply for up to R10,000, subject to affordability assessment, verification and ImaliFin's lending criteria.

Yes. An active business bank account is required, and you'll be asked to upload recent bank statements.

• Business Registration Document
• Applicant ID
• Proof of Business Address
• Bank Statements
• Other Supporting Document (if applicable)

Our team reviews your application and documents, then completes verification and affordability assessment. We may contact you if more information is needed, and we'll inform you of the outcome. Approved applicants proceed with the applicable loan agreement.