HOW IT WORKS

Let us explain

The following will explain how you can get a SENS-ible and responsible short term loan, through CAPISENSE's online application process.

HOW TO DO IT:

Step 1. Use the sliders on the HOME page to choose HOW MUCH you need and for HOW LONG you need it.
Step 2. Fill in our EASY-TO-FOLLOW online application.
Step 3. The approval process takes about 60 minutes where after your CAPISENSE loan is paid straight into your bank account. However, depending on who you bank with it could take up to 24 hours to clear into your bank account.

DOCUMENTS NEEDED:

  1. A copy of your ID document
  2. Your latest 3 month bank statement
  3. Your original payslip of last month

We need these documents in order to make sure that according to law you can afford this loan and to verify your identity.

HOW THE REPAYMENT WORKS:

Play around with the sliders and once you have decided how much money you want, you select your salary date. We then calculate the cost upfront and you authorize CAPISENSE to make a deduction in one single instalment from your bank account, through a debit order, on your salary date.

We take great care in assuring that we do an accurate, responsible and SENS-ible  affordability analysis, along with a credit check, to make sure that you can afford the loan.

WHAT HAPPEN IF YOU DO NOT PAY US BACK:

Off course we do not want this to happen to you or to us, but in the event that it does happen we will be forced to charge you a penalty fee, for the extra time that we have to wait for the payment.  We will also have to charge you a fee for the cost to use an external collection company to collect your payment.

However, before taking any legal actions we will try and contact you to find out what's happening and to make arrangements to settle the loan, but avoiding us and avoiding paying your loan means that we will be forced to take legal action and that the Credit Bureaus will get a record of this. This will affect negatively your credit rating which means that other people will know about this too and will affect negatively your future application for any loans.


For a sensible choice in finance

Apply today