Is this a credit check?
No. This step is an indicative eligibility check based on the details you share. A full credit and affordability assessment happens later, once you submit a formal application with the required documents.
Eligibility check
Check if You Qualify
Answer a few guided questions to receive an instant pre-qualification estimate. No credit check required.
Start your eligibility check
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Eligibility FAQ
How the check works
Will it affect my credit score?
No bureau enquiry is run during the eligibility check. A bureau enquiry is only performed once you proceed to a formal application and consent to it.
What information do I need to check if I qualify?
You need your monthly gross income, your monthly expenses, and the loan amount and term you are considering. The tool uses these to show an indicative affordability result.
Your result & eligibility
Does eligibility guarantee approval?
No. A positive eligibility result indicates that the basic criteria are met. Approval is still subject to a full NCA affordability assessment, document verification and product-sheet disclosure.
Who can qualify for an Ndzinga Capital loan?
Salaried employees, self-employed applicants, pensioners and grant recipients with regular, verifiable income are considered. Every application is assessed individually against NCA affordability rules.
What happens after I qualify?
If the indicative result looks positive, you can continue to a full application. You will submit supporting documents and consent to the NCA-mandated affordability and credit checks before any offer is made.