Make an informed financing decision
Financing creates a repayment obligation. Applicants should carefully consider whether the requested amount and repayment schedule are suitable for their financial circumstances.
Borrow only what you can reasonably repay
Before accepting financing, consider your regular income, existing debts, essential living or business expenses, emergency needs and the possibility that income or business conditions may change.
Understand the complete cost
Before accepting an offer, review:
- The approved financing amount
- The interest, profit or applicable financing rate
- All fees and charges
- The financing tenure
- The repayment amount and schedule
- The total amount payable
- Late-payment consequences
- Early-settlement terms, where applicable
Provide honest information
Accurate information supports responsible assessment. Applicants should not overstate income, hide existing commitments, alter documents or provide false business information.
Avoid taking financing for another person
Do not submit an application in your name for the benefit of an unknown third party. This may expose you to repayment obligations, fraud or identity misuse.
Protect your account and identity
Never disclose online-banking passwords, PINs, OTP codes or account login information. Verify that communications come from official company channels.
Contact the company early if difficulties arise
If you experience repayment difficulties, contact the company as early as possible. Available assistance depends on the financing agreement, applicable product and company policy.
Seek independent advice
Where necessary, obtain independent financial, legal or professional advice before entering into a financing agreement.