Before you apply, check if you're likely to qualify

Answer a few questions for an instant, indicative result. This is a self-check only — nothing you enter here is sent to us or saved, and it is not a loan approval. It uses the same affordability rules our assessment uses, so it's a good guide before you complete the full application.

Product: fixed 18% p.a., up to FJD 10,000, up to 24 months.

Your income

Gross monthly income (FJD)

Total monthly pay before deductions (FNPF, tax).

Net (take-home) monthly income (FJD)

What lands in the bank each month, after FNPF and tax.

Your commitments & household

Existing monthly loan / card repayments (FJD)

Total paid each month on other loans, cards or hire purchase. 0 if none.

Everyday living expenses (FJD)

Food, clothing, personal care, phone — day-to-day only.

Other fixed monthly costs (FJD)

Rent, transport, power, water, insurance, school fees — excluding loan repayments.

Your region

Used to apply a minimum living-cost benchmark.

Number of dependants

People who rely on your income; each raises the minimum living cost.

Is this a joint application? No Yes (combined income & expenses)

The loan you want

Loan amount (FJD)

How much you want to borrow.

Loan term (months)

Repayment period, 1 to 24 months.

Establishment fee

Pay the one-off fee separately, or add it to the loan (total still capped at FJD 10,000).

Pay upfront Include in loan

Important

This calculator gives an indicative guide only based on the figures you enter. It is not a loan offer, pre-approval, or credit decision, and does not take into account your full circumstances, credit history, or document checks. All applications are subject to verification of your payslips and bank statements and to final assessment and approval by an HFC loans officer. The establishment fee and minimum living-cost benchmarks follow HFC's current rate card and credit policy, which may change. Interest is 18% p.a. Terms and conditions apply.