Complete your application in 4 simple steps. No branch visits — fast, fair, and fully online.
⚡
Same-Day Payout
🔒
100% Secure
📄
NCR Compliant
✅
NCR Registered
1
Your Details
2
Financial Info
3
Loan Details
4
Review & Submit
Step 1 of 4 · Personal Details
Your Personal Information
Fields marked * are required. Logged-in details are pre-filled for you.
Identity
Please enter your full name
Must be a 13-digit ID number
Please enter your phone number
Please enter a valid email
Address
Please enter your street address
Required
Required
Required
Step 2 of 4 · Financial Information — NCR Reg 23A
Affordability Assessment
As required by the National Credit Act (Section 81) and Regulation 23A. All income, deductions and expenses must be declared accurately.
🏛️ NCR Regulation 23A: The law requires us to perform a full affordability assessment before extending credit. Please complete all fields honestly — providing false information is an offence under NCA Section 81(4).
A. Employment & Gross Income (Reg 23A(4))
Gross income = ALL income from ALL sources before any deductions.
Required
R
Pre-tax salary from main employer
Required — enter 0 if unemployed
R
Rental, freelance, maintenance received, grants
B. Statutory & Other Deductions (Reg 23A(8))
Deductions from your payslip. Enter actual amounts from your payslip where possible.
R
From your payslip (estimated if unsure)
R
1% of gross salary (max R177.12/mo)
R
R
R
Court-ordered salary deductions
R
Staff loans, savings, other
Net Income After All Deductions
Gross minus all deductions above
R 0.00
C. Existing Credit Obligations (Reg 23A(12))
⚠️ You must declare ALL existing credit agreements. Failure to disclose is an offence under NCA Section 81(4)(b). Enter R 0 if none.
Credit Type
Monthly Instalment
🏠 Mortgage / Bond
R
🚗 Vehicle Finance
R
💳 Credit Card(s)
R
🛒 Store / Retail Accounts
R
🏦 Personal / Bank Loans
R
💰 Other Micro/Short-term Loans
R
👨👧 Maintenance / Support Payments
R
D. Monthly Living Expenses (Reg 23A(9))
Itemise your actual monthly living expenses. The higher of your declared expenses or the NCR Minimum Expense Norm will be used per Regulation 23A(9).
R
R
R
R
R
R
R
R
R
R
🏛️ NCR Minimum Expense Norm — Reg 23A(10) Table 1
Your declared expensesR 0
NCR Minimum NormR 0
Applied in assessment (higher)R 0
📊 Live Affordability Result (NCR Reg 23A Formula)
A. Total Gross IncomeR 0
B. Less: Total Deductions- R 0
= Net IncomeR 0
C. Less: Living Expenses (applied)- R 0
D. Less: All Credit Obligations- R 0
= Discretionary IncomeR 0
E. Bank Details (for loan disbursement)
Required
Required
Step 3 of 4 · Loan Details & Documents
Choose Your Loan & Upload Documents
Select your loan amount and term. Upload the required supporting documents.
Loan Amount
R 2,500
Drag slider or type amount below
R
R500 – R8,000
R 500R 8,000
Repayment Term — click to select
1month
2months
3months
4months
5months
6months
Loan amountR 2,500.00
Initiation fee (NCR regulated)R 159.50
Monthly service fee (total)R 138.00
Total repayableR 2,797.50
Please select a reason
Required Documents (NCR — NCA Section 81)
📎 Note: Uploading documents speeds up approval. If you don't have them now, you can email them to admin@sphathisfs.co.za or send via WhatsApp after submitting.
🪪 South African ID Document (Optional — can send later)
Clear copy of green ID book or Smart ID card (PDF, JPG or PNG, max 5MB)
✅ Uploaded successfully
💼 Latest Payslip / Proof of Income (Optional — can send later)
Most recent payslip or bank statements showing income (PDF, JPG or PNG)
✅ Uploaded successfully
🏦 3 Months Bank Statements (Optional — can send later)
Latest 3 months bank statements confirming salary/income deposits (PDF preferred)
✅ Uploaded successfully
Step 4 of 4 · Review & Submit
Review Your Application
Please check all details carefully before submitting. Click Edit to make changes.
