Reviewed and updated: 12 October 2026 · MBC Finance
An unexpected expense can create pressure to decide quickly. Take time to check the cost, alternatives and repayment obligation before committing to a loan.
Check the amount and alternatives
Obtain a clear quote for the expense where possible. Consider savings, reducing optional spending or asking the service provider about a payment arrangement. A loan is one option, not a guaranteed solution.
Check repayment alongside essentials
Include existing debt and living costs in your budget. Avoid relying on uncertain future income or repeatedly taking new credit to cover an ongoing shortfall.
Check the lender and offer
Verify the business and registration through the NCR’s official channels. Read the full quotation and agreement, including interest, fees, any applicable insurance, repayment dates and total repayment. Be cautious of instant-approval claims or payments demanded to release a promised loan.
MBC’s application steps
Use the Pay As You Go app. Every application is assessed for affordability and credit. Payout follows required documents, signing and DebiCheck approval, and is not guaranteed within a particular number of hours. Approved terms may be up to 6 months depending on the product.