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How does Konga differentiate itself from other companies providing similar services?
We are faster. The whole business process is fully automated. Thanks to this new service, you can get money sent to your account within 5 minutes from the time of registration; a registered user can even have money sent in 1 minute. Our process is easier. We do not like long, multi-page questionnaires. In order to obtain loans, you only enter basic information. We are cheaper. Our loyal customers can use their loan money for 5 days free of charge and an unlimited number of times. And there is 0% commission if you repay the loan early
What do i need to get a loan?
You must: have an Identity Document of the Republic of South Africa, be over 18 years old and have a South African bank account and access to the internet.
How quickly i can get the money?
If you are a new customer, you need about 5 minutes. That’s 3 minutes to register on the site, 1 minute for us to assign your tier, and 1 minute to sign a contract and for us to send the money. If you already have an account, you will get the money sent to you in less than 1 minute.
What is the fare and what tiers are available to me?
Tier determines the maximum amount, timing and the current interest rate of the loan. At the moment, these rates are available to our customers
How to reduce interest rates on loans and increase the available limit?
Your assigned interest rate and maximum amount of the loan depends on the tier: the better the tier, the better the terms of your loan. To improve your tier rate, simply use our services.
What is DebiCheck?
DebiCheck is an industrywide initiative in South Africa that lets consumers approve all new debit orders – once-off and electronically – to prevent incorrect or unauthorised debit orders from coming off the consumers account. It is designed to put consumers in control of their debit orders thereby re-establishing overall trust in the SA banking system, preventing both illegal debits by rouge merchants and cash flow management by consumers.
Now that the industry is approaching production ramp-up, Konga wants to ensure that you have a fuss-free implementation and on-boarding experience.
DebiCheck is a new way you control how certain debit orders are taken out of your bank account. You confirm this once, at the start of the contract. This is done to inform your bank that you give permission for the money to be taken from your account.
It is very important that the phone number indicated by you on our website is tied to your main bank account. Otherwise, you will not be able to confirm the payment in DebiCheck and get a loan. Please check your phone number in your Profile. If it is not tied to your main bank account, you need to change it.
Can I apply for a loan over the phone?
This option is not currently available, but we are working on this possibility.
Why was not I assigned any tier?
There was most likely an error in our system, and our experts have been immediately notified. Please try again in a few minutes or contact our Customer Service Department.
Why am I asked to provide documents?
To allocate you the correct tier, we check information from multiple sources. Sometimes, however, this information is not sufficient and we ask you to send copies of certain documents.
Why was my loan denied?
The most common reason for refusal is entering incorrect information in the questionnaire. It is difficult to determine the cause of the refusal for a single case because our system bases loan approvals on many different factors.
Why do I have to complete the program “Improvement of credit history”?
It’s most likely that there is a negative entry on your credit history, but after completing the program "Improvement of credit history", your credit rating will improve and you will get full access to our services.
How do I take a screenshot?
- Find the button "Prt Sc" on the keyboard (usually located in the upper right corner of the keyboard, next to the F12 or Insert).
- Press the "Prt Sc."
- Go to paint (it’s among the standard software on Windows All Programs Paint).
- Simultaneously press CTRL + V.
- Save the resulting image on the computer.