Dear Customer,

Welcome to FINCA’s online loan application service. Before you continue, please read these simple terms. By submitting your application, you agree to them.

• You confirm that you are at least 18 years old and legally allowed to apply for a loan.
• You agree to give complete, correct, and up-to-date information in your application.
• You allow FINCA to check your credit history and confirm the financial information you provide.
• We will collect, use, and store your personal information securely, in line with data protection laws.
• Sending your application does not mean it will be approved. FINCA will review it and decide whether to approve or decline it.
• Before you accept a loan, we will clearly tell you the interest rate, fees, and any other charges.
• If your loan is approved, you agree to repay it according to the agreed schedule and terms.
• If you miss payments, extra charges, penalties, or recovery action may apply.
• You agree that the Bank may contact you by phone, email, SMS, or in person about your application or loan account.
• By applying online, you confirm that you accept these terms electronically.
• FINCA may update these terms and conditions from time to time.
• These terms are governed by the laws that apply in your country or jurisdiction.

By continuing with your application, you confirm that you have read, understood, and accepted these terms.