# Loan Manual

## Create a Loan Application
1. Sign in and open `Loans` -> `Apply` (or `New Loan`).
2. Enter requested amount and repayment term.
3. Complete personal, employment, and income details.
4. Upload required KYC and supporting documents.
5. Review pricing (interest, fees, total repayment).
6. Accept terms and submit application.

## Loan Processing Steps
1. **Validation**: system checks required fields and document quality.
2. **Assessment**: affordability and risk checks are performed.
3. **Decision**: status updates to approved/declined/pending info.
4. **Disbursement**: approved loans are paid to your linked payout method.
5. **Repayment**: installment or payday collection follows agreed schedule.

## Before You Submit
- Use correct ID and bank/mobile details.
- Ensure proof of income and address are current.
- Confirm debit order/repayment mandate details.
- Do not submit duplicate applications for the same need.

## If Application Is Pending
- Check your loan detail page for missing items.
- Upload requested documents quickly.
- Monitor SMS/email/app notifications for updates.