Responsible lending
Borrow what you can repay with confidence.
Credit should support progress without creating avoidable financial stress.
STEMTIDE CREDIT applies a standard responsible-lending framework to every application:
- Affordability is calculated against documented income and existing obligations.
- Repayment schedules are sized so post-deduction net income remains above one-third of gross.
- Total cost of credit — interest, fees, taxes — is disclosed in writing before any acceptance.
- Borrowers in distress can request restructuring before defaults are reported to a CRB.
- Marketing communication does not encourage over-borrowing or hide the cost of credit.
If you’re struggling to repay
Contact the team early. We can usually restructure schedules before the situation escalates — request a callback or message us on WhatsApp.
Next step
Talk to a loan officer or start online.
Apply now, request a callback, or estimate repayment with our calculator.