Low-fee loans you can apply for online.
Apply online, or send us a WhatsApp first if you’d rather ask a question. We’re available Monday to Friday, 8:30 a.m. to 5:00 p.m.
Our loans
What you can borrow for
We lend for personal needs, vehicles, home improvements, businesses and consolidating existing loans. The Loans page has the amounts we lend.
Loan calculator
Estimate your repayments
Enter an amount and a term to see roughly what you would pay. It’s only an estimate, not an approval.
How it works
What happens after you apply
Apply
Fill in the online application. It takes a few minutes.
Review
We look over your application and contact you if we need anything else.
Approval
If you’re approved, we tell you which documents we need.
Funds and repayment
You receive the money and repay it on your schedule, which you can see in your account.
Why Emerald
Why borrow from us
Low processing fees
Our processing fees are low, and the calculator includes them in your estimate.
Quick answers
Most applications get a reply within 24 to 48 hours, depending on what we need from you.
An online account
Follow your application, check your repayment schedule and sign in whenever you need to.
Have a question first?
Message us on WhatsApp, or read the answers to the questions we hear most.
Ready to apply?
It takes a few minutes. Already a client? Sign in to your account.