Question 1

Who can apply?

Accepted Answer

South African residents aged 18 and over with a valid identity document, an active bank account and a verifiable, regular income. Every application is assessed individually against our lending criteria.

Question 2

What documents may be required?

Accepted Answer

Typically a copy of your identity document, proof of residential address, recent proof of income such as payslips, and recent bank statements. Business applicants may be asked for business registration or trading documents.

Question 3

How long does the application take?

Accepted Answer

The online form usually takes five to ten minutes. How long the review takes depends on how quickly we receive complete, readable documents and can verify your information.

Question 4

What affects approval?

Accepted Answer

Affordability, the accuracy and completeness of your information, verification results, your repayment history and our lending criteria. Approval is never guaranteed.

Question 5

How does the repayment calculator work?

Accepted Answer

It applies the amount and term you select, plus any interest and fees configured by Family First Finance, to produce an estimate. It is an estimate for planning purposes, not an offer of credit.

Question 6

What happens after I apply?

Accepted Answer

You receive a unique reference number on screen. We review your file, contact you if anything is missing, and then communicate the outcome using your preferred contact method.

Question 7

Can I apply if I am self-employed?

Accepted Answer

Yes. Select self-employed in the application and provide details of your business income. You may be asked for business bank statements covering recent months.

Question 8

What if I am struggling to repay?

Accepted Answer

Contact us as early as possible so we can discuss your situation. You can also approach a registered debt counsellor or the National Credit Regulator for free assistance.

Question 9

Is my information safe?

Accepted Answer

Your application is stored securely, documents are kept in private storage, and sensitive details such as identity and bank account numbers are masked in our systems. Access is limited to authorised staff.

Question 10

Does applying cost anything?

Accepted Answer

No. Applying and using the calculator is free, and you are under no obligation to accept an offer.

Questions people ask us most.