> For the complete documentation index, see [llms.txt](https://docs.brilstash.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.brilstash.com/how-to-apply-for-brilstash-credit.md).

# How to Apply for Brilstash Credit?

### Prerequisites

Before you can apply for credit, you must have:

1. **Completed your profile** (personal and employment information)
2. **Completed KYC verification** (identity verification)
3. **Active Brilstash account**

### Step-by-Step Credit Application Process

#### Step 1: Access Credit Application

1. **Login to your Brilstash dashboard**
2. **Click "Apply Now"** button in the Credit Overview section
3. You'll be redirected to the credit application form

#### Step 2: Select Your Company/Business

* **If you're linked to a company**: Your company name will be pre-filled and locked
* **If not linked**: Choose your company from the dropdown list
* This determines your credit terms and available options

#### Step 3: Enter Credit Amount

* **Enter the amount** you want to borrow (minimum ₦1,000)
* **Amount is formatted automatically** with commas for thousands
* **Clear button (X)** appears to reset the amount

#### Step 4: Choose Payment Method

Select how you want to repay:

**Option A: Pay Once**

* **Repay the full amount** in a single payment
* **Simpler process** with one due date
* **No duration selection needed**

**Option B: Installment Plan**

* **Spread payments** over multiple months
* **Available durations**: 2-3 months (varies by company)
* **Select duration** from the dropdown

#### Step 5: Review Repayment Breakdown

After entering amount and payment method:

* **System calculates** your repayment schedule automatically
* **Shows each installment** with due dates
* **Displays total amount** including any fees
* **Service fee** (if applicable) included in first payment

#### Step 6: Confirm and Submit

1. **Read the consent statement** carefully
2. **Check the consent checkbox** to authorize:
   * Credit access
   * Repayment deduction from earnings
3. **Click "Withdraw Credit"** to submit your application

### Important Notes

#### Credit Limits

* **Based on your earnings** and company policies
* **Minimum amount**: ₦1,000
* **Maximum varies** by company and your profile

#### Repayment Terms

* **Flexible options**: Pay once or in installments
* **Automatic deductions** from your salary/earnings
* **Clear due dates** for each payment
* **Insurance coverage** included (if applicable)

#### Company Requirements

* **Must be employed** by a participating company
* **Company policies** determine available terms
* **Linked companies** have pre-approved terms

#### Getting Help

* **Check error messages** in red boxes
* **Ensure all fields** are completed
* **Contact support** <engineering@brilstash.com> for company-specific issues
* **Refresh page** if data doesn't load


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