Secure SETLA application

Let's find your SETLA limit.

Complete three focused steps. Your information helps SETLA review your identity, affordability and eligibility for Pay Later.

Progress saves automaticallyNo credit history? You can still applyLimits are based on your application

← Back to account

New to credit? That does not automatically count you out.

SETLA considers affordability and other eligibility information, not only a credit score. Some eligible new customers may begin with a smaller Starter Limit.

✓Account created

1Identity

2Affordability

3Banking & submit

20% complete

Account details saved ✓From signup

Name—

Email—

Mobile—

You gave us these details when you signed up, so we won't ask for them again.

Next, verify your identity.

Your basic details are already saved from signup. We only need the identity information required to continue your review.

Step 1 of 3

Why we ask

Identity checks help protect you and SETLA from fraudulent applications.

Identity information

South African ID numberUsed to match your application to your identity information.

South African ID document

A clear photo or PDF helps us verify the details you provide.

Live identity check

Confirm that it is really you

Take a live selfie for comparison with the photograph on your submitted ID.

Not started

Camera preview will appear here

Live camera capture only, no photo uploads -- this keeps the identity check meaningful. Automated liveness and face matching will activate when SETLA's secure verification backend is connected.

Your progress is saved.

Now, help us understand affordability.

This is about what you may reasonably be able to manage -- not whether you already have a long credit history.

Step 2 of 3

Why we ask

Income, expenses and address information help us assess an appropriate outcome for your application.

Residential address

Street address

City

Province

Postal code

Proof of address

Affordability

Monthly income / allowanceTell us what you usually receive in a month.

Monthly expensesA realistic estimate helps us assess what may be manageable.

Final step -- confirm your banking.

Upload a recent bank statement and we'll use it to help confirm your banking information. You'll be able to review the details before submitting.

Step 3 of 3

Why we ask

We use your statement as part of the application assessment and to help verify that your banking information belongs to you. The account holder should match your identity information.

Bank statement

Recent bank statement

A statement from the last 3 months, showing your name, account number and bank.

✓

A smaller limit can still be a successful outcome.

If eligible, some new customers may start with a SETLA Starter Limit and build their SETLA history through responsible use. Approval and future increases are not guaranteed.