Draft — not yet approved
This page is a structured draft. It has not been reviewed or approved by legal counsel and must not be relied on as a final policy. Items marked “To be confirmed” must be supplied by Enjoy the Credit and its lending partner.
Our commitments
- We show every cost before you apply, and the lender confirms it in the KFS before you accept.
- We never guarantee approval, invent urgency, or pre-select optional consents.
- The lender assesses affordability using your income and existing obligations. Credit limits are never increased without your explicit request.
- Loans are disbursed only into your own bank account, and repayments go directly to the lender's account.
- Collections are polite and lawful. We never threaten, shame or contact your family, friends or employer.
- We don't access your contacts, photos or files.
The lender's Board-approved Fair Practices Code: [To be confirmed: link to the lender's Fair Practices Code]