Loan Qualifications 

To qualify for Loaniva financing, applicants must meet the applicable requirements for their selected financing product.

General Qualifications

An applicant must generally:

1. Be at least 18 years old.

2. Have a valid National Identification Card, passport or other accepted identification document.

3. Have a qualifying source of income, employment, education status or business activity.

4. Demonstrate the ability to repay the requested financing.

5. Have a valid bank account, mobile-money account or approved e-wallet where the financing can be transferred.

6. Provide accurate information and required supporting documentation.

7. Agree to the applicable Loaniva terms and conditions.

Who Can Apply?

Loaniva financing may be available to:

• Students;

• Government employees;

• Private-sector employees;

• Self-employed individuals;

• Business owners; and

• Other eligible applicants who satisfy the applicable requirements.

Student Applicants

Students may qualify if they can provide appropriate educational documentation, including a Grade 12 certificate and admission letter where applicable.

Employed Applicants

Employees may be required to provide recent payslips, bank statements or other evidence of income.

Self-Employed Applicants

Self-employed applicants may be required to provide evidence of income, business activity and financial capacity.

Business Applicants

Businesses may be required to provide business registration documents, financial information and other documents relevant to the financing request.

Important

Meeting the minimum qualifications does not guarantee approval.

Loaniva reserves the right to assess each application individually and approve an amount based on the applicant's circumstances and applicable lending criteria.