NCR Disclosures

Effective date: 12 May 2026

Credit offered through Persal is subject to applicable consumer credit law requirements, including responsible lending, affordability assessment, and transparent disclosure of costs.

Pre-Agreement and Cost Disclosure

Before conclusion of a loan, customers receive key terms including principal amount, interest, fees, repayment dates, and total repayment obligations.

Affordability and Eligibility

Applications are evaluated using submitted information and internal affordability criteria. Approval is not guaranteed and is conditional on successful verification.

Customer Rights and Complaints

Customers may request copies of contractual and disclosure documents relating to their account. Complaints can be submitted to support@persal.co.za for investigation and resolution.

Record Access

Records are retained and made available in line with legal and regulatory obligations. Where required, supporting compliance details are provided with account documentation.