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17 help topics
What counts as proof of income?
Prepare a clear income record, including variable, weekly or fortnightly pay.
Does Lendeka require a credit check?
Yes. Every new loan requires credit and affordability checks; the public calculator does neither.
How should I change my bank details?
Verify the channel and confirm which payout or collection the change will affect.
My repayment was not collected. What now?
A missed collection does not automatically postpone the payment due under your agreement.
I paid, but the payment does not show
Collect the transaction reference and ask for reconciliation before making a duplicate payment.
Which documents should I prepare?
Get clear, current information ready before applying.
Why is my bank account checked?
Account checks help confirm that a payout goes to the right person.
What does DebiCheck confirm?
An authenticated debit order lets you check payment details through your bank.
When will a payout reach my bank?
A decision, a payout instruction and a cleared bank credit are different steps.
How do I settle my loan early?
Ask for a settlement figure for the day you intend to pay.
How do I get a paid-up letter?
Ask for written confirmation after the final payment has been allocated.
What can I do after a declined application?
Take time to understand the decision and review your circumstances.
Understand interest and fees
Read the full cost and compare first and returning examples.
Lendeka Together
Check the R30 benefit, eligibility and programme rules.
Having trouble with a repayment?
Find the information to have ready when speaking to your creditor.
Check a suspicious message
Verify a sender and protect your information.
Raise a complaint
Keep the agreement, correspondence and payment records for your complaint.
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