Check who is behind the offer
Match a creditor’s legal name and registration number with the NCR credit-provider register. A copied registration number or familiar logo is not enough. Compare the contact details and domain using independent sources.
ClearRand is preparing for launch. No application channel, collecting agent or loan-release payment is authorised by this website at present.
Keep your bank credentials private
Never give a person your banking password, card PIN or OTP. Read the action shown in your bank’s authentication message. A legitimate-looking message can still request the wrong payment or mandate.
Be cautious about unsolicited social messages, pressure to act immediately, guaranteed approvals and requests to pay a fee into a personal account before money can be released.
If you have already shared information
Contact your bank promptly using the number in its official app or on your card. Explain the information shared or transaction made and follow its instructions. Keep screenshots and messages for a report. Report suspected crime through the appropriate official law-enforcement channel.
Before you choose a provider
Work through the five checks before borrowing alongside the provider’s identity, quotation and your own budget. Keep any unanswered questions for the verified provider.