How to apply

The whole application is online

You'll never have to take time off work to visit a branch or stand in a queue. Apply from anywhere, and improve your chances by applying with joint household income.

Start your application →
Three simple steps

How it works

Apply online

Complete the application from any device. Add your spouse or partner's income (with their consent) to apply with joint household income and strengthen your application.

We assess

We assess each application individually — including affordability and joint household income — to structure a reasonable loan on a case-by-case basis.

Study & succeed

Your repayment is structured to suit your circumstances, so you can focus on your studies and repay with confidence.

Before you start

What you'll need

Having these ready makes the online application quick and smooth:

  • South African ID (and your partner's, if applying jointly)
  • Proof of income / latest payslips
  • Your institution and course details

Estimate your repayment first

Use the repayment calculator on our homepage to get an indicative monthly figure before you apply.

Open the calculator
Apply now

Start your application

Complete it right here — it only takes a few minutes.

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