These website terms do not replace the final loan agreement or any document specifically issued to you for an approved facility. Where a signed loan agreement, applicable law or regulatory requirement contains a different or more specific provision, that provision will apply to the extent required.
1. About DK Finance
DK Finance provides financial services to qualifying customers in Namibia. Information displayed on this website is provided for general information and customer guidance. Availability of a loan, the amount offered, finance charges, repayment period and other terms depend on assessment, eligibility and the applicable agreement.
2. Applications and Eligibility
Submitting an online, WhatsApp, email or branch application is a request for assessment and does not constitute an approval or an obligation by DK Finance to advance funds. Applicants must provide accurate, complete and current information and must cooperate with reasonable verification and affordability assessment requirements.
- Applications are subject to applicable eligibility criteria.
- DK Finance may request additional information or documents where reasonably required.
- Applicants must be legally entitled to enter into the relevant financial agreement.
- An application may be declined or an amount may be adjusted following assessment.
3. Loan Amount, Interest and Repayment
The website currently communicates quick cash of up to N$30,000 and a 26% interest rate. These figures are promotional information and should not be interpreted as a guarantee that every applicant will qualify for that amount or rate.
The final loan amount, finance charges, repayment schedule, payment dates, applicable costs and other obligations will be set out in the relevant loan agreement and must comply with applicable Namibian law and regulatory requirements.
The website calculator is an illustration only. It applies 26% once to the requested principal and divides the resulting amount by the selected number of months. It does not account for every possible contractual charge, assessment outcome or payment arrangement.
4. Responsible Lending and Affordability
DK Finance may conduct affordability and credit-related checks as required by applicable law and regulatory standards. Customers should only apply for credit after considering whether the proposed repayment is affordable within their income and existing financial commitments.
Customers should provide truthful information about income, expenses and existing obligations. Providing false or misleading information may affect the assessment and may have other consequences under applicable law.
5. Documents and Verification
Applicants may be required to provide documents such as bank statements, a recent payslip and a certified identification document. Documents must be legible and authentic. DK Finance may request clarification or updated documents where necessary for verification.
Customers should never provide banking PINs, passwords or other confidential authentication credentials through this website, WhatsApp or email.
6. Approval and Payout
Statements such as “same-day approval” and “payout within 30 minutes” describe DK Finance’s advertised service targets and are not guarantees. Actual processing times can vary depending on application completeness, verification, affordability assessment, banking processes and other circumstances.
7. Customer Information and Privacy
Information supplied through the website or application channels may be used to process enquiries, assess applications, communicate with customers, administer approved facilities, meet legal and regulatory obligations and protect DK Finance against fraud or misuse.
Customers should ensure that information submitted is accurate and should contact DK Finance if they believe information is incorrect. Access to personal information should be limited to authorised persons and service providers where appropriate.
8. Cookies and Similar Technologies
DK Finance uses cookies and similar technologies on its website. Essential cookies may be used to support website functionality and remember certain preferences. Where analytics or other non-essential technologies are introduced, the website may provide additional information or controls where appropriate.
Users can manage or delete cookies through their browser settings. Disabling certain cookies may affect parts of the website experience.
9. Website Use
Users must use the website lawfully and must not attempt to interfere with its operation, gain unauthorised access, submit malicious content, impersonate another person or use the website to commit fraud or any other unlawful activity.
DK Finance may update, suspend or discontinue website content or functionality where reasonably necessary for maintenance, security, compliance or business operations.
10. Communications
DK Finance may communicate with applicants using the contact information supplied by the customer. Customers should keep their telephone number and email address current and should notify DK Finance promptly if their contact details change.
11. Complaints and Regulatory Information
Customers are encouraged to raise concerns with DK Finance so that the matter can be reviewed and addressed through the applicable internal complaints process. Where a complaint cannot be resolved directly with the financial institution, customers may use the applicable complaint and consumer-protection channels available through NAMFISA.
NAMFISA regulates and supervises microlenders under the Microlending Act, 2018 and promotes fair treatment, transparency and consumer protection.
12. Changes to These Terms
DK Finance may update these website terms from time to time to reflect changes in services, technology, law or regulatory requirements. The current version published on this page will apply to future website use, while contractual rights and obligations are governed by the applicable agreement.
14. Repayment, Missed Payments and Default
Customers are responsible for making repayments on the dates and in the manner stated in the applicable loan agreement. If a payment is missed or delayed, the customer should contact DK Finance as soon as possible so that the matter can be discussed in accordance with the agreement and applicable law.
Any consequences of late or missed payment, including permitted charges or collection steps, will be governed by the applicable agreement and Namibian law. DK Finance will not represent website estimates as a substitute for the contractual repayment schedule.
15. Early Settlement or Changes to a Loan
Customers who wish to settle an outstanding balance early, change payment arrangements or request other assistance should contact DK Finance. Any settlement amount, adjustment or fee will be determined in accordance with the loan agreement and applicable legal and regulatory requirements.
16. Fraud Prevention and Security
DK Finance will not ask customers to disclose a bank card PIN, online banking password, one-time password or similar authentication credential. Customers should verify that they are communicating through DK Finance's official contact channels before sending documents or financial information.
If you suspect fraud, impersonation or an unauthorised request made in DK Finance's name, stop the communication and contact DK Finance directly using the contact details published on this website.
17. Personal Information and Records
Application information may be retained for as long as reasonably necessary to administer an application or loan, meet legal and regulatory obligations, resolve disputes, prevent fraud, maintain records and protect legitimate business interests. Retention periods may vary according to the nature of the information and applicable requirements.
18. Third-Party Services and External Links
The website may contain links or references to third-party services, payment providers, communication platforms or other websites. DK Finance is not responsible for the content, security, availability or privacy practices of independent third parties. Customers should review the relevant third-party terms before using those services.
19. No Guarantee of Approval
Marketing statements such as “up to N$30,000”, “same-day approval” and “payout within 30 minutes” describe the advertised service and are not promises that every applicant will receive a loan, the requested amount or a particular processing time. Approval remains subject to eligibility, affordability assessment, verification, documentation, internal processes and the final loan agreement.
20. Questions and Clarification
Customers should ask DK Finance to explain any term, charge, repayment date or requirement they do not understand before accepting a loan agreement. NAMFISA's consumer education guidance also encourages consumers to read and understand their agreements and keep a copy of their contracts.
21. Contact DK Finance
For questions about an application, repayment information or these website terms, contact DK Finance using the details below.
Last updated: September 2026. This page provides general website terms and should not be treated as legal advice.