What do I need to apply?

You need to be 18 years or older
Have a valid SA ID or Drivers Licence
Have a South African bank account
Be permanently employed
You will be required to provide a salary slip

I am worried about submitting my personal details on your website, is it safe?

Our site uses the highest level of data encryption. Your application details cannot be seen by anyone else other than us. It is totally safe and secure. Please read our privacy policy here.

How do I apply?

Visit our home page and use the slider to choose the amount you need. Select the date you want to repay it. You’ll see the amount you’ll need to repay. Before you click the apply button, make sure you’ve got the documents required:
A copy of your ID book
3 months bank statements
A copy of your pay slip
Now click apply and begin the process.

Can I save my application if I don’t have time to finish?

Yes, all your info is saved as long as you complete the entire step. We’ll email you the link to your application and remind you to complete your application.

What if I don’t have a South African ID?

Unfortunately, we cannot assist anyone without a South African ID at this time.

Can I apply if I’ve just started a new job?

If you are within a probation period you may not apply for a loan with us. You need to have been permanently employed for at least three months.

What size loan can I get?

Depending on your individual circumstances and the results of your affordability form, you’ll be able to loan up to R2000.

How do you decide how much I can loan?

As registered credit and authorised financial services provider, Flow is governed by the National Credit Act in assessing whether we can provide you with credit. We will conduct an assessment using your credit score. This provides us with your credit history and tells us how well you have been managing all your credit in the past. We also take into account your income and expenses. Based on all this information we will determine whether we can grant you credit at this time.

Can I apply if I have other loans?

Yes, you can apply even if you are currently repaying other loans, as long as you have a good credit history and can afford another loan based on the NCR criteria.

What is the longest repayment period I can get?

You can choose up to one month to pay.

How much will my loan cost?

Once you’ve decided how much you need to loan and the date you will repay the loan, you will see the interest amount and fees as well as the full repayment amount displayed underneath the date you’ve selected.

How do I repay the loan?

Your loan repayment will be automatically debited from your bank account on the date you selected at time of application.

What if I’m blacklisted?

We cannot lend you money if you are blacklisted. As soon as you have a healthy credit score, you are welcome to apply again.

What if I’m under debt review?

We cannot lend you money if you are currently under debt review. Please come back again once you have a healthy credit rating.

How quickly will I get the money?

As long as your application has been approved, we have checked your documents are in order and have verified your employment, you can receive your money the same day you apply.

What if I can’t repay the loan?

Give us a call at least three days before the debit order date and we will try to assist you in finding a solution that meets your needs.