4 Documents You Need for a Loan Application

1. A valid South African ID or passport.

2. Proof of regular income — your most recent payslip, or the last three months' bank statements if your income varies.

3. An active South African bank account for your loan to be paid into and repayments to be collected from.

4. If you're applying for debt consolidation, a list of the accounts you'd like to combine (account name and outstanding balance for each).

Having these ready before you start an online application means the difference between a same-day estimate and a week of back-and-forth email requests.