Eight minutes. Ten. Same day.
Here's every step — from sliders to same-day funds — with exactly who checks what, and how long it takes.
Pick an amount
Use the calculator to choose between $200 and $2,000. The establishment fee (20%) and monthly interest rate (4%) are set by law — we show them upfront. Your weekly repayment is set based on what you can afford, which we work out after you connect your bank.
Tell us about you
Name, date of birth, address, ID type. Plus employer, pay frequency, approximate income. NCCP requires we ask your reason for borrowing — no judgement; it's a regulatory checkbox.
Connect your bank
We use illion to read 90 days of statements. Read-only, nothing from your online-banking credentials is stored. This replaces a credit bureau check — for SACC lending, bank data is far more accurate.
Prove it's you
Quick photo of your ID and a video selfie via FrankieOne. It checks name, DOB, address match, document validity, liveness (to stop deepfakes), and screens against PEP / sanctions lists.
We run the numbers
Our credit model scores stability of income, expenses, existing obligations and behavioural signals. A real credit analyst reviews anything the model can't decide on its own. You'll get an answer by SMS and email.
Approved? Sign the contract
If approved, we send the loan contract to your portal. Read it (it's a SACC contract — 4 pages, plain English), and sign with an SMS one-time passcode.
Get paid
Funds go to the bank account you nominated via PayTo — a mandate to pay on weekly repayment dates. Transfers typically arrive within hours; fastest paths settle in minutes.