About these terms
These Terms govern your access to and use of the n’lase website (“Website”).
This Website is owned and operated by nlase (Pty) Ltd, trading as n’lase (“n’lase”, “we”, “us”). By using this Website, you agree to these Terms.
Regulatory status
nlase (Pty) Ltd is a registered Credit Provider under the National Credit Act.
Registration details
NCR Registration Number: NCRCP22878
We are regulated by the National Credit Regulator. Where insurance products are offered, they are regulated under financial services legislation.
Eligibility
You may use this Website and apply for credit if you meet the required eligibility criteria.
You must
- Be 18 years or older
- Reside in South Africa
- Have a valid South African ID
- Have a bank account in your own name
- Provide accurate information
Providing false information may result in refusal of service.
Applying for credit
Submitting an application does not guarantee approval. All applications are assessed individually in line with regulatory affordability requirements, responsible lending principles and internal credit policies.
Your final loan agreement governs the terms of any approved credit.
Electronic agreements
By applying online, you agree to electronic communication, OTP authentication and electronic signatures.
Electronic agreements are legally binding under South African law.
Website content
We aim to keep Website information accurate and up to date. Information may change, and product summaries are for guidance only.
Your signed loan agreement takes precedence over any general product summary shown on the Website.
Security
You are responsible for protecting your login details, not sharing OTP codes and securing your device.
If you suspect unauthorised activity, contact us immediately.
Acceptable use
You agree not to use the Website unlawfully, attempt unauthorised system access or misrepresent your identity.
We may restrict access if misuse occurs.
Privacy
We process personal information in accordance with our Privacy Policy, available via the “Privacy” link on this Website.
Changes to these terms
We may update these Terms from time to time. The latest version will always be available on the Website.
Governing law
These Terms are governed by the laws of South Africa.
Important note
Loan agreement precedence
Product summaries and website information are provided for guidance. Where credit is approved, your signed loan agreement will govern the final terms of that credit.