X

Home ESG Responsible lending

Our commitment to responsible lending

Our values of customer centricity and respect oblige us to serve our customers in the best possible manner. Responsible lending is at the core of this promise.

We apply responsible lending principles collectively as an organisation and on an individual level by each employee committing to place customer interests at the centre of daily decision-making.

Piggy bank

We commit to

  • Only lending to customers that can repay the loan in full and on time
  • Providing all legal documentation in a clear and transparent way for informed decision-making
  • Abiding by applicable consumer protection laws
  • Ensuring a non-discriminatory customer selection process
  • Preventing cycles of debt by only granting one loan to a customer at a time, and to adhering to a one day “cooling off” period after repayment
  • Not allowing loan roll-overs or granting advances to finance a customer's unpaid interest or fees until the customer’s outstanding loan has been paid*

*Does not apply to revolving loans due to their nature

Diversity and inclusion

Protecting customer data

ESG Policies