Responsible Lending
Our commitment to ethical lending practices and consumer protection
Our Commitment to You
At Dial-a-Bag Financial Solutions, we believe in responsible lending practices that prioritize your financial wellbeing. We are committed to:
Providing clear, transparent information about our loan products and fees
Conducting thorough affordability assessments to ensure loans are suitable for your financial situation
Treating customers fairly and with respect throughout the loan process
Providing support and flexibility for customers experiencing financial difficulties
Our Responsible Lending Principles
These principles guide our lending decisions and ensure we provide financial solutions that are in your best interest
Affordability Assessment
We carefully assess your income, expenses, and existing financial commitments to ensure that any loan we provide is affordable for your specific circumstances.
- Income verification
- Expense analysis
- Debt-to-income ratio assessment
Transparency
We provide clear, easy-to-understand information about our loan products, including all fees, charges, and terms, so you can make informed financial decisions.
- Clear fee structure
- No hidden charges
- Plain language loan agreements
Customer Support
We provide ongoing support throughout your loan term and offer flexible solutions if you experience financial difficulties or changes in your circumstances.
- Dedicated support team
- Hardship assistance
- Flexible repayment options
Warning Signs of Financial Stress
Recognizing these warning signs can help you take action before financial problems become overwhelming
When to Seek Help
If you're experiencing any of these warning signs, we encourage you to contact us or seek financial counseling:
- 1
Using loans to pay for essential living expenses like food and utilities
- 2
Taking out new loans to repay existing debts
- 3
Regularly missing bill payments or only making minimum payments
- 4
Feeling stressed or anxious about your finances
- 5
Spending more than 30% of your income on debt repayments
Financial Counseling Resources
These free resources can provide guidance and support if you're experiencing financial difficulties
Namibia Financial Literacy Initiative
Provides free financial education and counseling services to Namibian citizens.
Namibia Debt Counseling Association
Offers debt counseling and management services to help individuals manage their debt effectively.
Financial Literacy Blog
Our blog provides articles and resources on budgeting, saving, and managing debt.
Visit Our BlogDial-a-Bag Support Team
Our dedicated support team is available to discuss your financial situation and provide guidance.
Contact SupportWe're Here to Help
If you have questions about our responsible lending practices or need financial assistance, our team is here to help.