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 [email protected] for company-specific issues

• Refresh page if data doesn't load