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Get briefed
We walk your HR team through the process, required documents, and eligibility criteria — and agree together how hands-on your team will be.
How it works
Flexible support — from hands-on HR guidance to a simple payroll deduction.
Badger Finance works through participating employers. Depending on how your employer has set up the programme, your HR team may guide you through the application — or you can apply online yourself and repayments are handled via payroll once approved.
For HR teams
For HR teams
Some employers choose to have HR guide employees through the full application — briefing them, sitting with them, and helping scan and submit documents. Others prefer a lighter-touch approach where employees apply online and HR simply processes the payroll deduction once a loan is approved. We support both models and will work with you to set up whichever fits your organisation.
Explore employer partnership02
Support employees your way
Guide employees through the full application if that suits your team, or simply let them apply online and step in only to process the payroll deduction.
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Submit and hand over
Once submitted, Badger Finance takes over the review. HR stays available for questions but carries no credit responsibility.
For employees
For employees
Depending on how your employer has set up the programme, your HR team may guide you through the application — or you can apply online yourself. Either way, repayments are handled through a simple payroll deduction once your loan is approved.
Start your application01
Check with HR first
Ask your HR contact whether they assist with applications at your company, or whether you should apply directly online.
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Apply — with or without HR's help
Complete the form online yourself, or with HR's assistance if your employer offers that. Either path leads to the same assessment.
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Receive your outcome
Badger Finance reviews your application individually and communicates the outcome and next steps directly to you.
Payroll deductions
Designed to make repayments easier to follow.
Where payroll deductions are available through a participating employer, they provide a familiar way to manage repayments alongside your normal pay. Your application and eligibility are assessed individually; the available arrangement and its terms will be explained before you make any decision.
Payroll deductions, availability, and terms vary by employer and market. Always review the information provided for your own application.
Questions, answered clearly.
Does HR make the credit decision?
No. HR assists with the application process and document scanning, but all credit assessment and decisions are made by Badger Finance independently.
What documents will HR help me scan?
Typically your most recent payslip and a copy of your ID. HR will confirm exactly what is needed when you meet to complete the application.
When are payroll deductions available?
Payroll deductions may be available when your employer has agreed this approach as part of the workplace benefit. The information for your application will explain what applies.
What if I have questions after submitting?
You can speak to HR for general queries, or contact Badger Finance directly at info@badgerfin.co.za or 084 473 8392 for anything related to your application.