Step 1 of 4 · Personal Details
Confirm Your Information
Pre-filled from your profile. Edit anything that has changed.
Identity
Address
Required
Step 2 of 4 · NCR Reg 23A
Affordability Assessment
Required by the National Credit Act.
🏛️ NCR Reg 23A: Full assessment required by law. Providing false information is an offence (NCA s.81(4)(b)).
A. Employment & Income
B. Statutory Deductions
C. Credit Obligations
⚠️ Declare ALL credit. Failure is an offence (NCA s.81(4)(b)). Enter 0 if none.
D. Monthly Living Expenses
Higher of your declared or NCR Minimum Norm is used.
🏛️ NCR Minimum Norm — Reg 23A(10)
Your declared expensesR 0.00
NCR MinimumR 0.00
Applied (higher of both)R 0.00
📊 Live Affordability Result
Total Gross IncomeR 0.00
Less: DeductionsR 0.00
Net IncomeR 0.00
Less: ExpensesR 0.00
Less: ObligationsR 0.00
Discretionary IncomeR 0.00
Enter your details above.
E. Banking Details
Step 3 of 4
Choose Your Loan
Pick amount, term and how you want funds.
Loan Amount
R 500R 8 000
Repayment Term
1month
2months
3months
4months
5months
6months
Loan amountR 2 500.00
Interest (5%/month)R 250.00
Initiation feeR 409.50
Service feeR 138.00
Total repayableR 3 297.50
Required
Optional: Documents
📎 Documents optional — email admin@sphathisfs.co.za or WhatsApp later.
🪪 SA ID Document
PDF/JPG/PNG, max 5MB
✅ Uploaded
💼 Payslip / Proof of Income
Latest payslip
✅ Uploaded
🏦 Bank Statements (3 months)
PDF preferred
✅ Uploaded
Step 4 of 4 · NCA Section 92
Pre-Agreement & Sign
Review carefully before signing.
R 2 500
Loan Amount Requested
Cost Breakdown (NCA s.92)
Loan amount—
Interest (5%/month)—
Initiation fee—
Service fee—
Total Cost of Credit—
Sign & Consent
