Quick answers to the questions we hear most. Can't find what you're looking for? We're a message away.
Students who have been provisionally accepted at, or are registered with, a recognised university or college are welcome to apply. We assess each application individually — including affordability and joint household income — rather than on a credit score alone.
Every application is assessed individually. We look at your circumstances and affordability — including joint household income where applicable — and structure a loan that's reasonable for your situation.
Manati funds study-related costs such as tuition. The exact structure is confirmed on assessment, based on your institution, course and circumstances.
Your rate is determined individually when we assess your application — we aim to keep it low. You can use the repayment calculator on our homepage for an indicative monthly estimate before you apply.
We offer standard repayment plans with consistent instalments, as well as step-payment plans where instalments increase over the term. Your plan is confirmed on assessment, so you always know what to expect and can plan with confidence.
Yes — and we encourage it. With your spouse or partner's consent, you can include their income on your application, which can improve your chances of approval.
Repayment terms are structured around your circumstances and confirmed on assessment. Depending on your plan, instalments can stay consistent or step up over time, so you can plan with confidence.
Please contact your Account Manager directly, or email Collections@manati.co.za and we'll assist you.
We'd love to talk. Visit our For Institutions page or get in touch via the Contact page and we'll set up a conversation.