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Understand your options before you borrow.

Prepare for an application and understand your responsibilities. Find answers to common questions below.

Guides

Educational articles Coming soon

We are preparing guides on the topics customers ask about most.

How to prepare for a payroll loan application

Understanding your loan agreement

Planning a household budget around repayments

Documents to prepare for business finance

Working capital finance explained

Invoice discounting and order financing explained

What to do if your repayment circumstances change

Frequently asked questions

Answers to common questions

Who can apply for a personal loan?

Payroll loans are intended for eligible formally employed customers, subject to an approved employer arrangement and individual credit assessment.

Can my business apply for financing?

Businesses can enquire about financing for working capital, expansion, trade, invoices, and orders. Availability and suitability depend on the application and assessment.

How much can I borrow?

The amount depends on the relevant product, your financing need, repayment capacity, and Azure’s current lending criteria. Contact our team for an assessment.

What are the interest rates and fees?

The applicable pricing and charges should be explained in your offer and agreement. Request a breakdown of the repayment commitment before accepting the loan.

How long does an application take?

Timing depends on the type of facility, the completeness of your documents, and the checks required. Our team can explain the expected next steps for your application.

Does submitting an application guarantee approval?

No. Applications are subject to assessment, approval, funding availability, and applicable conditions.

Can an existing customer request a top-up?

A top-up or refinancing request may be considered, subject to repayment history, current eligibility, and a fresh assessment.

What should I do if I may struggle to repay?

Contact Azure as early as possible to explain your circumstances and discuss the options that may be available. Any change to your repayment arrangement requires assessment and agreement.

Still have a question?

Our team will explain any documents required and the next steps for your application.

Speak to Azure →Call +260 770 372 109 →