Accurate disclosure
Applicants should provide complete personal, income and credit information.
Responsible lending
Credit decisions grounded in verified affordability and clear information.
Responsible lending requires an honest application, careful assessment and terms that the customer can understand before accepting the agreement.
Responsible lending
The objective is a sustainable repayment—not the largest possible amount.
VUKA evaluates the information supplied, current credit commitments and the requested structure. Customers are encouraged to request only what is required and to consider the effect of the repayment on essential household or business expenditure.
Speak with the VUKA teamProportionate finance
The requested amount should be appropriate for the purpose and repayment capacity.
Informed acceptance
Customers should review the rate, term, instalment and total repayment before signing.
Application preparation
Customer responsibilities
Responsible borrowing continues after approval and throughout the repayment period.
- Keep contact and banking information current
- Make repayments on the agreed dates
- Contact the finance team promptly when circumstances change
- Protect client-portal credentials and approval documents
VUKA finance guidance
Make the decision from complete information.
Applications are assessed individually. The approved amount, repayment period and final credit terms depend on affordability, verification and the completed assessment.
R10,000Configured minimum application amount
6 monthsConfigured minimum repayment period
6% p.a.Current website planning rate
Every application is assessed on its own verified information.
The approved amount, term and repayment schedule are communicated after the assessment and before customer acceptance.