Loans
Get a Loan up to R 120,000
PERSONAL PAYROLL LOAN
Juina Global Creditors provides short term credit facilities to employees whom work for companies that have entered into a Memorandum of Understanding (MOU) and or a binding contract for payroll to deduct loans with Juina. The process is simple and straight forward, funds are disbursed within 12 hours upon completion of the application.
The funds are collected through the monthly payroll deductions from the employer company.
HOW IT WORKS
Memorandum of understanding signed
between Juina and Employer.
Employer agrees to facilitate Juina Loans and deduct from employees via payroll
Employer agrees to send the deduction schedule and payment to Juina.
Employee Application.
- Certified Id Copy
- 1 Month Latest Payslip
- 3 Months Latest Bank Statement
- Pre-approved Letter from your Employer (Hr Or Finance)
Juina Application Review.
- Confirm that the salary of the applicant/employees is within the Memorandum of Understanding signed with the employer
- Check credit score
- Confirm status of employment
- Loan approval
- Funds disbursed
Month End Repayment.
- Juina submit the repayment schedule on the agreed date
- Employer uploads deductions on payroll
- Employer sends the consolidated deductions to Juina along with the deduction schedule
- Juina uploads the repayment on the system and the loan is paid.
- Confirm status of employment
- Loan approval
- Funds disbursed
NON PAYROLL LOAN
Juina Global Creditors provides short and medium credit facilities to individuals whom are formally employed, the application process is simple with a turnaround time under an hourand almost instant when you are already in our database.
HOW IT WORKS
Individual Application.
- Certified ID copy
- 1 month latest payslip
- 6 month latest bank statement
- Confirmation of employment
- Proof of residential address
Juina Application Review.
- Confirm that the salary of the applicant reflects on the bank statement.
- Review and confirm status of employment.
- Check credit score.
- Loan approval.
- Applicant signs a legally binding contract for the repayment terms and conditions.
- Applicant gives consent to debit order mandate
- Funds disbursed
Month End Repayment.
- The funds are collected on the salary date through a Direct Debit order in the account of the applicant.