[{"_1":2,"_115":-5,"_116":-5},"loaderData",{"_3":4},"routes/topics.$topicSlug.$articleSlug",{"_5":6,"_13":14,"_27":28,"_113":114},"topic",{"_7":8,"_9":10,"_11":12},"id",276,"name","Personal Loans","slug","personal-loans-276","article",{"_15":16,"_17":18,"_7":19,"_20":21,"_11":22,"_23":24,"_25":26},"content","

You can read our full Terms of Use and Privacy Policy on our website or within the app. They outline your rights, responsibilities, and how we handle your information.

","createdOn","2026-07-28T16:28:47.000Z",829,"isHtmlFileUpload",false,"what-are-your-terms-of-use-and-privacy-policy-829","status","ACTIVE","title","What are your Terms of Use and Privacy Policy?","articles",[29,35,41,47,53,59,65,14,71,77,83,89,95,101,107],{"_15":30,"_17":31,"_7":32,"_20":21,"_11":33,"_23":24,"_25":34},"

Permissions help us verify your identity, ensure secure transactions, and provide a seamless app experience. Your privacy remains protected at all times.

","2026-07-28T16:37:03.000Z",836,"why-do-you-need-permission-to-access-my-device-836","Why do you need permission to access my device?",{"_15":36,"_17":37,"_7":38,"_20":21,"_11":39,"_23":24,"_25":40},"

At the moment, repayment periods cannot be extended. You are expected to repay based on the agreed schedule.

","2026-07-28T16:36:06.000Z",835,"what-happens-if-i-pay-my-personal-loan-late-835","What happens if I pay my personal loan late?",{"_15":42,"_17":43,"_7":44,"_20":21,"_11":45,"_23":24,"_25":46},"

At the moment, repayment periods for personal loans cannot be extended. You are expected to repay based on the agreed schedule.

","2026-07-28T16:34:48.000Z",834,"can-the-repayment-period-be-extended-834","Can the repayment period be extended?",{"_15":48,"_17":49,"_7":50,"_20":21,"_11":51,"_23":24,"_25":52},"

You can repay your personal loan early at any time. To make a repayment:

Log in to the app
Click Pay Now in the Loans section
Enter your 4-digit transaction PIN to complete payment

Ensure your account is sufficiently funded before initiating repayment.

","2026-07-28T16:33:47.000Z",833,"how-can-i-make-an-early-repayment-833","How can I make an early repayment?",{"_15":54,"_17":55,"_7":56,"_20":21,"_11":57,"_23":24,"_25":58},"

To repay your personal loan:

Log in to the app and go to the Loans section.
Click Pay Now
Enter your 4-digit transaction PIN
Your repayment will be processed instantly

If your account balance is insufficient, you will be prompted to fund your account before completing the repayment.

","2026-07-28T16:31:46.000Z",832,"how-to-repay-a-personal-loan-832","How to repay a personal loan?",{"_15":60,"_17":61,"_7":62,"_20":21,"_11":63,"_23":24,"_25":64},"

No, there are no hidden fees. All charges and repayment details are clearly displayed before you accept the loan offer.

","2026-07-28T16:30:14.000Z",831,"are-there-any-hidden-fees-831","Are there any hidden fees?",{"_15":66,"_17":67,"_7":68,"_20":21,"_11":69,"_23":24,"_25":70},"

The maximum loan amount depends on your eligibility and account history with Moniepoint. Your approved loan limit will be displayed in the app during application.

","2026-07-28T16:29:25.000Z",830,"what-is-the-maximum-loan-amount-one-can-receive-for-personal-loans-830","What is the maximum loan amount one can receive for personal loans?",{"_15":72,"_17":73,"_7":74,"_20":21,"_11":75,"_23":24,"_25":76},"

Yes. We prioritise your security. All data is encrypted and handled in accordance with strict privacy standards.

Your information is never shared with unauthorised parties.

","2026-07-28T16:28:17.000Z",828,"can-i-trust-moniepoint-with-my-identity-and-bank-account-details-828","Can I trust Moniepoint with my identity and bank account details?",{"_15":78,"_17":79,"_7":80,"_20":21,"_11":81,"_23":24,"_25":82},"

The loan application process is quick and typically takes about 2 minutes. Once approved, funds are disbursed instantly to your account.

","2026-07-28T16:27:35.000Z",827,"how-long-does-the-personal-loan-application-process-take-827","How long does the personal loan application process take?",{"_15":84,"_17":85,"_7":86,"_20":21,"_11":87,"_23":24,"_25":88},"

You can view your outstanding balance and repayment schedule for your personal loans directly in your Moniepoint Personal banking account.

Notifications and reminders are also sent before each due date.

","2026-07-28T16:26:17.000Z",826,"how-do-i-check-my-repayment-balance-and-payment-date-826","How do I check my repayment balance and payment date?",{"_15":90,"_17":91,"_7":92,"_20":21,"_11":93,"_23":24,"_25":94},"

Loan rejections may occur due to eligibility criteria not being met, such as credit history, outstanding loans, or inconsistent account activity.

","2026-07-28T16:25:02.000Z",825,"why-was-my-personal-loan-application-rejected-825","Why was my personal loan application rejected?",{"_15":96,"_17":97,"_7":98,"_20":21,"_11":99,"_23":24,"_25":100},"

No, you do not require any physical documents or collateral to apply for our Quickmonie loan.

Your eligibility is assessed based on your financial profile and activity within our system.

","2026-07-28T16:23:39.000Z",824,"do-i-need-documents-or-a-collateral-to-apply-for-a-personal-loan-824","Do I need documents or a collateral to apply for a personal loan?",{"_15":102,"_17":103,"_7":104,"_20":21,"_11":105,"_23":24,"_25":106},"

Your loan will be sent directly to your Moniepoint personal banking account once it is approved.

","2026-07-28T16:22:31.000Z",823,"where-is-my-personal-loan-disbursed-to-823","Where is my personal loan disbursed to?",{"_15":108,"_17":109,"_7":110,"_20":21,"_11":111,"_23":24,"_25":112},"

To apply for a personal loan on Moniepoint, you must meet the following criteria:

Be a personal banking customer.
Have an active Moniepoint personal account for at least six months.
Consistently use your Moniepoint personal account for your transactions.

Steps to Apply

Log in to your Moniepoint Personal account
Tap the Loan icon.
Select the loan type
The system will display the amount you qualify for.
Enter the required details as prompted.
Review the loan terms carefully and accept offer.
The loan will be disbursed directly to your account, and your repayment schedule will be visible in the app

","2026-07-28T16:12:22.000Z",822,"how-do-i-apply-for-a-personal-loan-822","How do I apply for a personal loan?","turnstileSiteKey","0x4AAAAAADmia7J67BadPT1p","actionData","errors"]

Personal Loans

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What are your Terms of Use and Privacy Policy?