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From estimate to repayment: the six steps
Six steps run in order, one at a time. You choose an amount and term in the calculator and compare the total with your income, essential spending and existing debts. You check the requirements and get ready to verify your identity, income and bank-account ownership. You complete an application, which involves credit and affordability checks. You read the personal quotation and credit agreement and decide whether to proceed. If DebiCheck is used, you confirm the agreed debit-order details with your bank. You then keep the agreement and payment reference and plan for the repayment on its due date. Finishing a form does not guarantee approval, and an approval is not a payout.
The “Continue to partner” button on this page opens our partner’s website, where the application is made. The partner confirms eligibility, price and terms, and Lendumi may be paid if you take up an offer there.
1. Find a repayment that fits
Choose an amount and term in the loan calculator. Compare the total with your expected income, essential spending and existing debts. Using the calculator needs no registration, does not contact a credit bureau and does not commit you to a loan.
2. Prepare your information
Check the requirements before spending time on an application. You need to be able to verify your identity, income and bank-account ownership, and to give a realistic picture of your expenses. The document guide explains how to prepare readable copies and share them safely.
3. Complete the assessment
An application involves credit and affordability checks. Finishing the form does not guarantee approval. If information is missing, check what is needed; if a bank connection fails, follow the available alternative. A technical problem is different from a credit decline, as the guide to declined applications explains.
4. Review the offer in your own time
A personal quotation should show what you receive, the interest and fees, what you owe and when. Read the credit agreement and ask about anything unclear. You can choose not to proceed. The quotation guide lists what to check line by line.
5. Check the bank instruction
If DebiCheck is used, confirm the agreed debit-order details with your bank. A mandate confirmation does not confirm that a loan has been paid out. Read how DebiCheck works and what affects payout timing.
6. Keep track of the repayment
Keep your agreement and payment reference, and allow for the scheduled repayment in your budget. If circumstances change, ask for help early; if you want to settle sooner, request a quote for the date you intend to pay.
Save the before-you-borrow checklist or browse common questions.
References: National Credit Act · NCR register of credit providers.
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