Borrow only what you can reasonably repay
Financing creates a repayment obligation. Before accepting any offer, applicants should consider their income, existing commitments, essential expenses and ability to manage repayments if circumstances change.
Understand the full terms
Review the financing amount, rate or profit rate, fees, tenure, repayment schedule, late-payment consequences and total amount payable before accepting.
Provide complete and accurate information
Accurate financial information supports a fair assessment. Applicants should not overstate income, understate commitments or provide documents that are false or altered.
Seek help early
Where repayment difficulties arise, contact the company as early as possible. Available assistance depends on the applicable product, agreement and company policy.
Avoid scams
Use official contact channels. Never disclose passwords, PINs or OTP codes. Confirm payment instructions before transferring funds.