A SMARTER LOAN

There is always a

solution.

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Is a Consumer Credit Right For You?

Extra money can help in many ways. Regardless of your financial situation,
personal loans through Prosper can help make any situation a little better.Have you recently thought about how will this bill get paid or even a vacation? A personal loan can provide you with the funds you need.

Consolidation

Higher interest debt into one convenient lower monthly payment.

Life Events

Paying for family reunions, weddings or even vacations.

Financing

Purchasing new appliances or making auto repairs.

Trust & integrity: Our recipe for success

Our aim is to be flexible and listen to our clients needs in order to gain a full understanding of the challenges they face

Get organized. Stay creative.

Applying is easy.

Have all necessary documentation handy and complete the form fast. Choose your amount and loan duration and the magic begins.
We will then present you with a comparison of personal loans straight away, working hard to match you with the right lenders. Once you have selected your lender, we will send them your application.
Your lender will then assess your application. If you’re approved, you should receive the cash straight into your nominated bank account.

Frequently asked questions

01 How long can I borrow the money for?

You may choose a Personal Loan term ranging from half a years (6 months) up to seven years (84 months).

02 What is the difference between a loan and a line of credit?

A loan is an amount of money that you borrow for a specified length of time. You receive a one-time, lump-sum that is paid down through fixed monthly payments with a fixed rate and fixed term. A line of credit is a borrowing limit extended to you. The funds are available to you up to a pre-assigned credit limit and you have the ability to re-use your line of credit as you repay. Your monthly payment will be based on the amount of the line you have outstanding.

03 What is the difference between interest rate and APR?

The interest rate is the cost to borrow money from your line of credit. The APR (annual percentage rate) adds in some of the upfront costs of getting the line of credit in addition to the interest, including any lender fees. Santander does not have any upfront fees so the APR and the interest rate are the same.

04 Are there any origination or prepayment fees?

No, VitaKredite products have no origination fees, closing costs, or prepayment penalties.

A tradition of exceptional service

Trusted by the world’s most innovative businesses — big and small