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Are there any special conditions to get a top-up?
Yes. Your employer must be the same as on the original loan, and Guardian Creditor Life insurance is mandatory if you accept this offer through the digital portal.
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How can I access a top-up on an unsecured loan?
You must be selected, assessed, and pre-approved by NCB. Only customers with no history of delinquency will be considered.
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What is the interest rate?
The interest rate is 13.99% APR, fixed for the life of the loan.
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What is the repayment period for this loan?
Customers are given 60 months to repay this facility.
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What is the NCB Top-Up Unsecured Loan?
The NCB Top-Up Unsecured Loan allows customers who have successfully repaid at least 40% of an unsecured loan to top up back to the original loan amount.