7 simple steps

How an NDL loan works.

We assess, verify and review every application. It keeps lending responsible for you and for us.

  1. 1. Enquire or applyComplete the eligibility check and application form, call us, WhatsApp us or walk into a branch.
  2. 2. AssessmentA credit officer visits your home and your business or workplace to understand your situation. This is why NDL assessments happen: they protect you from borrowing more than you can repay.
  3. 3. DocumentationSubmit your documents and complete the loan application form. Your checklist depends on your customer type.
  4. 4. Credit reviewWe verify your documents and guarantors and run credit checks.
  5. 5. ApprovalIf approved, you receive a loan offer letter to read and sign. Costs and repayment schedule are set out clearly.
  6. 6. DisbursementFunds are disbursed within 3 working days of approval.
  7. 7. RepaymentRepay daily, weekly, bi-weekly or monthly through official NDL channels. You receive a passbook and an SMS confirmation for each payment.

Know what to bring

Your checklist depends on whether you're a business owner, salary worker or driver.

Requirements centre

Ready to repay?

See all official ways to pay.

Repayment info