Affordability is a new regulation that has been put in place by the National Credit Act which stipulates that we, as a registered credit provider, can only Loan you what you can afford to pay back. This means that when you apply for a Loan, we will ask you a few questions about your income and expenses. Before we can transfer any funds, we’ll need proof of your income in the form of your 3 most recent payslips, bank statements or pension slips.