The Process

Simple. Fast. Transparent.

From your first click to funds in your account — the entire process happens online, in minutes of your time.

Step 01 ~10 minutes

Apply Online

Complete our step-by-step application entirely online. Choose your loan product, enter your details, and upload your supporting documents — all from your phone or desktop. No branch visit. No paper forms.

Select your loan product and enter the amount and term
Fill in your personal and employment details
Upload required documents (ID, payslip, bank statements)
Review and submit

Step 02 24 hours

We Review Your Application

Our credit team reviews your documents and runs a credit assessment. We look at your income, employment stability, and credit history to offer you the most appropriate terms. We'll contact you if we need anything extra.

Document verification by our team
Credit assessment and scoring
Risk review and decision by an underwriter
We notify you of the outcome by email

Step 03 Same day

Receive Your Offer

Once approved, you receive a personalised offer letter with your exact rate, repayment schedule, and all fees clearly stated — no surprises. Review it carefully, and accept when you're ready.

Review your confirmed rate and repayment schedule
Check all fees and conditions in the offer letter
Accept the offer at your own pace — no pressure
A copy is stored in your secure document vault

Step 04 1–2 business days

Funds in Your Account

Once you accept, our disbursement team transfers the funds directly to your nominated bank account. From there, track every repayment through your borrower portal — your repayment schedule, balance, and statements always available.

Disbursement to your nominated bank account
Access your full repayment schedule in the portal
Set up reminders so you never miss a payment
Download statements any time

Why Choose Egrigo Finance?

Secure & Regulated

Bank-grade 256-bit SSL encryption. Your data and documents are always protected.

24-Hour Decisions

Most applications receive a decision the same day you submit. No waiting weeks.

Transparent Pricing

All fees disclosed upfront. No hidden charges. What you see is what you pay.

Dedicated Support

A real person reviews your application. We're here if you have questions.

Common Questions

Most products require a valid government-issued ID, recent payslips (last 3 months), and 3 months of bank statements. The exact list is shown in the application.

Most applications receive a decision within 24 hours of document submission. Complex products like mortgages may take 3–5 business days.

Submitting a full application includes a credit check, which may have a minor temporary effect. Our initial eligibility check does not affect your score.

Yes. Self-employed applicants are welcome. You'll need 6 months of bank statements and recent financial statements or tax returns.

View All FAQs

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