Responsible Lending

Our commitment to you

BorrowBanana is built on the principle that short-term credit should help, not harm. We are committed to responsible lending practices that put borrower wellbeing first.

Full price transparency

Before you accept any loan offer, you will always see:

• The exact principal amount you are borrowing
• The exact interest charge
• Any applicable fees
• The total amount you will repay
• The exact repayment date

Nothing changes after you accept. The amount you agree to is the amount you repay.

Affordability checks

We never lend without assessing your ability to repay. Our affordability check reviews your income and existing obligations to ensure any loan offer is within your means.

No guaranteed approvals

No lender can responsibly guarantee approval. BorrowBanana never promises approval before a full eligibility and affordability assessment is completed.

Borrow responsibly

Short-term credit should bridge a gap, not become one. We encourage all borrowers to:

• Only borrow what you can comfortably repay on the due date
• Review the full cost breakdown before accepting any offer
• Contact support early if you anticipate a repayment problem
• Consider alternatives if the loan would strain your finances

Data protection

We practice data minimization — we only ask for what's needed to assess eligibility and never store more than necessary. Sessions, consent, and audit trails are built into every step.

If you're struggling to repay

Contact our support team as early as possible if you anticipate a repayment problem. We're here to help you find a workable solution and stay on track financially — reaching out early always leads to a better outcome than waiting.