Terms & Conditions

These Terms & Conditions govern your use of MERIK's micro-loan platform. By applying for a loan you agree to a credit and affordability assessment, accurate disclosure of your personal, employment, and banking information, and repayment of any approved loan in accordance with the offer presented to you before acceptance.

MERIK operates as a responsible short-term lender in accordance with the National Credit Act. Final interest rates, service fees, and your total repayment amount are calculated after affordability and risk checks and disclosed in full before you accept any offer.

This is placeholder legal copy for demonstration purposes and should be replaced with attorney-reviewed terms before this platform is used to originate real loans.