Read the written offer
Check the money you receive, each payment date and the full total. Ask for an explanation before accepting anything you do not understand.
Confirm who is offering the credit
Match the creditor’s legal identity and registration to the NCR register. Then verify the application channel independently. A copied logo or registration number cannot establish that a message came from that business.
Follow the money from payout to repayment
| Check | Question to resolve |
|---|---|
| Amount paid to you | Will the full principal reach my own verified account? |
| Interest | Which balance and time period does the rate apply to? |
| Fees and tax | Which fees are once-off, recurring or included in the balance? |
| Insurance | Is it required, what does it cost and what does it cover? |
| Every repayment | What amount falls due on each actual date? |
| Total repayment | Does the sum of all scheduled payments match the total? |
| Any benefit | Is the discount shown in the written price? |
For Lendeka, the published model pays out the principal in full, includes initiation in the first payment and adds no compulsory insurance premium. An eligible Together benefit must appear as a reduction in the initiation fee. Compare these with the offer, not with a remembered advertisement.
Check dates and validity
The first payment can be larger than later payments. Verify that its date works with your income. Ask how partial months are calculated and when the quotation expires. If the amount, term or dates change, request a revised written offer rather than relying on a verbal adjustment.
Read what happens if the plan changes
Find the early-settlement process, late-payment terms, payment method and complaint route. Ask about unclear charges or collection instructions. A request to change a date is not itself an agreed change.
Check two quotations side by side
Use the quotation comparison tool to calculate the total paid and the cost above the cash you receive. If a fee or insurance premium is already in the scheduled payments, do not add it twice. Compare the dates and keep the original documents beside the result.
Keep the complete record
Save the quotation, agreement, schedule and relevant confirmation in a secure place you can access later. If a screen hides part of the terms, ask for a complete copy. Use the comparison checklist if you have another offer, or the budget planner before deciding.
Sources and further reading
Reviewed 28 October 2026. General information from Lendeka; your agreement and applicable law govern your loan.