Yes! Once we receive your completed application a Versofy account manager will be assigned to you to manage your application and customer experience.

Simply enter your details on our application form and we will give you an indicative decision within seconds. Our team will then guide you through the remainder of your application and gather any additional documents we require.

For induvial applications, we will always need:

1. A copy of your ID;
2. Your utility bill if you own the property or your landlord details if you don’t; and
3. A bank confirmation letter of the account in your name to be debited.

Our credit team will also generally require 3 months’ pay slips and 3 months of bank statements.

The document requirements for businesses vary and your account manager will let you know what the credit team requires to process your business’s application.

This depends on your credit score and other factors that the credit team takes into account such as, your existing debt levels and usage thereof as well as how you conduct your historical and existing accounts held on credit.

If you have a judgment or a blacklisting, then it is likely that your application will be declined. If you have proof of payment of either a judgment or a default listed, please give this documentation to your account manager at the start of your application process.

Our credit team works off a scoring model and if your credit score is below a certain threshold, then your application may be declined.

If you believe that there is a mistake relating to your credit score or additional information that we may not have, please give this information/documentation to your account manager at the start of your application process.

Yes! Of course. You may also apply jointly.

Yes! Of course. You may also apply jointly with such person who supports you.

Yes, but you will need to apply jointly with someone younger than you. This can be your partner, spouse or child.