The application centres on TruID and DebiCheck — faster decisions while staying NCA-compliant.
Verify NCRCP17814 on ncr.org.za before you share banking details or sign.
Step-by-step process
- Download the app (iOS/Android) or open lendplus.co.za on web.
- Create your profile — name, ID, mobile, email, employment.
- Complete TruID verification — read-only access to recent transactions instead of PDF uploads.
- Get your decision in about 15 minutes.
- Approve DebiCheck in your banking app — confirm amount and date.
- Receive funds — often within an hour on business days after mandate confirmation.
Verify NCRCP17814 on ncr.org.za before you share banking details or sign.
Documents to have ready
- Valid SA ID (green book or smart card)
- Bank account in your own name
- TruID consent or three months' statements
- Active mobile for OTP and DebiCheck
Verify NCRCP17814 on ncr.org.za before you share banking details or sign.
What happens after you submit?
LendPlus runs an NCA affordability check using TruID income/expense data plus bureau data (TransUnion SA / Experian SA). If approved, you see a pre-agreement quotation with exact rate, fees and total repayable before you commit.
Verify NCRCP17814 on ncr.org.za before you share banking details or sign.
Common reasons for decline
- Affordability fails once essentials and existing debt are counted
- Active defaults, judgments or debt-review flag on bureau
- ID name does not match bank account holder
- Incomplete TruID or missing statement history
Verify NCRCP17814 on ncr.org.za before you share banking details or sign.
Tips for a smoother approval
Use TruID instead of manual uploads — decisions are usually faster. Apply in business hours for same-hour payout; read rate and fee disclosure before approving DebiCheck.
Verify NCRCP17814 on ncr.org.za before you share banking details or sign.
FAQ — How to apply
Do I need to upload bank statements manually? Usually not — TruID gives read-only transaction access, so PDF uploads are rarely needed.
How long does the LendPlus decision take? About 15 minutes once TruID and personal details are complete.
What if I'm declined? Wait until circumstances change — lower debt or higher income — before reapplying.