01
1. Apply
Submit your vehicle or consumer durable application along with the required documents.
Built around you
Finance, made clear
How It Works
A straightforward, manually-reviewed process — for borrowers applying for financing, and for investors funding our loan book.
Secure by designClarity at every step
How we help
For borrowers
A more thoughtful financial experience, designed around informed decisions rather than unnecessary complexity.
Clear guidance. Confident decisions.
02
2. Verification
We verify your identity and documents, and manually inspect and value your vehicle where applicable.
Built around you03
3. Credit review
A credit officer reviews your application and sets your approved amount, tenure and rate.
Built around you04
4. Disbursement
Once you accept your terms, funds are disbursed and your repayment schedule begins.
Built around youHow we help
For investors
A more thoughtful financial experience, designed around informed decisions rather than unnecessary complexity.
Clear guidance. Confident decisions.
01
1. Register
Create an investor account and complete verification.
Built around you02
2. Fund
Commit funding toward the KRFS loan book.
Built around you03
3. Earn
Your return accrues against your funding on a regular, disclosed basis.
Built around you04
4. Track
View your funding, accruals, payouts and statements from your investor portal at any time.
Built around youQuestions, answered
Frequently asked
Straightforward answers to help you understand the details and move forward with confidence.
Clear information, no fine print
3 common questions
Select a question to reveal the answer
01How long does a credit decision take?
Timelines vary by product and by how quickly required documents are submitted, but every application is reviewed by our credit team, not an automated score.
02How often are investor returns paid out?
Investor returns are reported and paid out on a monthly basis, in line with the terms confirmed at the time of funding.
03Can I track my application or investment in real time?
Yes — both the customer portal and the investor portal show live status, statements and history.
The next step is yours
See what we offer
Review both financing products in detail before you apply.
Secure by designClear at every step