Lending Policy

1. Our approach to responsible lending

We follow a responsible lending approach aligned with the National Credit Act 34 of 2005 and applicable National Credit Regulator (NCR) requirements, including affordability assessments and credit checks.

When evaluating a loan application, we consider factors that may include:

• Your affordability and income/expense position;
• Employment and income stability;
• Your credit profile and repayment behaviour (via a credit check); and
• Any indicators of fraud risk associated with the information provided.

Our automated decisioning process supports quick, consistent assessments, but final approval may still depend on verification steps such as document review and repayment mandate authorisation.

2. Loan products and terms

Neema Connect Finance provides short-term online loans that are 100% online. Decisions are typically made within business hours and payouts are typically completed on the same day when approved and authorised in time.

3. Required documents (for verification)

To keep the process paperless, applicants will generally need:

• Latest 3 months’ bank statements,
• Latest payslip, and
• A clear copy of a South African ID, passport, or work permit (as applicable).

4. DebiCheck mandate authorisation

If your loan is approved, you must authorise a DebiCheck debit order mandate through your bank (for example, via app/USSD/SMS) before we collect repayments. This helps protect you from unauthorised debits and confirms repayment authority.

5. Fees (pricing transparency)

All costs are disclosed clearly before you accept a loan. Your quotation/offer will show your total repayment (including applicable initiation and service fees and interest).

Note: The loan estimator is indicative only and includes initiation and service fees for illustration. Your final quotation governs the final costs.

6. Registration and compliance

Neema Connect Finance is a Registered Credit Provider:

7. Contact information