{"id":12147,"date":"2026-04-19T22:15:02","date_gmt":"2026-04-19T20:15:02","guid":{"rendered":"https:\/\/mutuallife.africa\/?page_id=12147"},"modified":"2026-08-19T15:58:53","modified_gmt":"2026-08-19T15:58:53","slug":"personal","status":"publish","type":"post","link":"https:\/\/mutuallife.africa\/za\/2026\/04\/19\/personal\/","title":{"rendered":"Personal"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"12147\" class=\"elementor elementor-12147\">\n\t\t\t\t<div data-wpr-particles=\"{&quot;particles&quot;:{&quot;number&quot;:{&quot;value&quot;:160,&quot;density&quot;:{&quot;enable&quot;:true,&quot;value_area&quot;:800}},&quot;color&quot;:{&quot;value&quot;:&quot;#ffffff&quot;},&quot;shape&quot;:{&quot;type&quot;:&quot;circle&quot;,&quot;stroke&quot;:{&quot;width&quot;:0,&quot;color&quot;:&quot;#000000&quot;},&quot;polygon&quot;:{&quot;nb_sides&quot;:5},&quot;image&quot;:{&quot;src&quot;:&quot;img\/github.svg&quot;,&quot;width&quot;:100,&quot;height&quot;:100}},&quot;opacity&quot;:{&quot;value&quot;:1,&quot;random&quot;:true,&quot;anim&quot;:{&quot;enable&quot;:true,&quot;speed&quot;:1,&quot;opacity_min&quot;:0,&quot;sync&quot;:false}},&quot;size&quot;:{&quot;value&quot;:1,&quot;random&quot;:true,&quot;anim&quot;:{&quot;enable&quot;:false,&quot;speed&quot;:4,&quot;size_min&quot;:0.3,&quot;sync&quot;:false}},&quot;line_linked&quot;:{&quot;enable&quot;:false,&quot;distance&quot;:150,&quot;color&quot;:&quot;#ffffff&quot;,&quot;opacity&quot;:0.4,&quot;width&quot;:1},&quot;move&quot;:{&quot;enable&quot;:true,&quot;speed&quot;:1,&quot;direction&quot;:&quot;none&quot;,&quot;random&quot;:true,&quot;straight&quot;:false,&quot;out_mode&quot;:&quot;out&quot;,&quot;bounce&quot;:false,&quot;attract&quot;:{&quot;enable&quot;:false,&quot;rotateX&quot;:600,&quot;rotateY&quot;:600}}},&quot;interactivity&quot;:{&quot;detect_on&quot;:&quot;canvas&quot;,&quot;events&quot;:{&quot;onhover&quot;:{&quot;enable&quot;:true,&quot;mode&quot;:&quot;bubble&quot;},&quot;onclick&quot;:{&quot;enable&quot;:true,&quot;mode&quot;:&quot;repulse&quot;},&quot;resize&quot;:true},&quot;modes&quot;:{&quot;grab&quot;:{&quot;distance&quot;:400,&quot;line_linked&quot;:{&quot;opacity&quot;:1}},&quot;bubble&quot;:{&quot;distance&quot;:250,&quot;size&quot;:0,&quot;duration&quot;:2,&quot;opacity&quot;:0,&quot;speed&quot;:3},&quot;repulse&quot;:{&quot;distance&quot;:400,&quot;duration&quot;:0.4},&quot;push&quot;:{&quot;particles_nb&quot;:4},&quot;remove&quot;:{&quot;particles_nb&quot;:2}}},&quot;retina_detect&quot;:true}\" particle-source=\"wpr_particle_json_custom\" class=\"elementor-element elementor-element-d6bf6bf wpr-particle-yes e-con-full e-flex wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"d6bf6bf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-16daf5f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"16daf5f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e305e9a elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"e305e9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Personal Credit \u00b7 Mutual Life Africa<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d338af wpr-fancy-text-clip wpr-advanced-text-style-animated wpr-advanced-text-layout-inline elementor-invisible elementor-widget elementor-widget-wpr-advanced-text\" data-id=\"9d338af\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"wpr-advanced-text.default\">\n\t\t\t\t\t\n\t\t<h3 class=\"wpr-advanced-text\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t<span class=\"wpr-advanced-text-preffix\">Credit for individuals, built around your life<\/span>\n\t\t\t\n\t\t<span class=\"wpr-anim-text wpr-anim-text-type-clip\" data-anim-duration=\"2000,3000\" data-anim-loop=\"\">\n\t\t\t<span class=\"wpr-anim-text-inner\">\n\t\t\t\t\t\t\t\t\t<b> <\/b>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\n\t\t\t\t\n\t\t<\/h3>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d86b7b2 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"d86b7b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Personal credit products for African expats, diaspora members, and individuals across Africa \u2014 from 30-day micro loans to structured home purchase financing. Policy-backed options available for policyholders.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-51cd337 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"51cd337\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-592b159 elementor-widget elementor-widget-html\" data-id=\"592b159\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@600;700&family=Philosopher:ital,wght@0,400;0,700;1,400&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n.pca *{box-sizing:border-box;margin:0;padding:0}\r\n.pca{background:#ffffff !important;padding:96px 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!important}\r\n.pca .pca-who-card p{font-family:'Philosopher',serif !important;font-size:13px !important;color:#444 !important;line-height:1.7 !important;margin:0 !important}\r\n\r\n\/* Not for note *\/\r\n.pca .pca-not-for{margin-top:24px;background:#ffffff !important;border:1px solid rgba(0,0,0,0.08);border-radius:12px;padding:18px 22px;display:flex;align-items:flex-start;gap:14px}\r\n.pca .pca-not-icon{width:36px;height:36px;min-width:36px;background:#f7f7f2 !important;border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px}\r\n.pca .pca-not-icon svg{width:18px;height:18px}\r\n.pca .pca-not-for h4{font-family:'Syne',sans-serif !important;font-size:13px !important;font-weight:700 !important;color:#000000 !important;margin-bottom:4px !important}\r\n.pca .pca-not-for p{font-family:'Philosopher',serif !important;font-size:13px !important;color:#555 !important;line-height:1.7 !important;margin:0 !important}\r\n\r\n@media(max-width:900px){\r\n  .pca .pca-cols{grid-template-columns:1fr !important;gap:48px}\r\n  .pca .pca-who-header{grid-template-columns:1fr !important;gap:16px}\r\n  .pca .pca-who-grid{grid-template-columns:1fr 1fr}\r\n  .pca .pca-who-wrap{padding:32px 24px}\r\n}\r\n@media(max-width:600px){\r\n  .pca{padding:64px 20px !important}\r\n  .pca h2{font-size:26px !important}\r\n  .pca .pca-who-grid{grid-template-columns:1fr}\r\n}\r\n<\/style>\r\n\r\n<div class=\"pca\">\r\n  <div class=\"pca-inner\">\r\n\r\n    <!-- ABOUT -->\r\n    <div class=\"pca-cols\">\r\n      <div>\r\n        <span class=\"pca-label\">About personal credit<\/span>\r\n        <h2>Credit that understands <em>how Africans actually live<\/em><\/h2>\r\n        <p class=\"pca-body\">Mutual Life Africa Personal Credit is a range of lending products built specifically for individuals who live, work, and build their financial lives across borders \u2014 often in more than one currency, and frequently outside the financial systems that traditional lenders recognise.<\/p>\r\n        <p class=\"pca-body\">Whether you are an African professional abroad sending money home, a foreign national building a life in South Africa, or a diaspora member ready to purchase property or a vehicle in your home country \u2014 our personal credit products are structured to meet you where you are.<\/p>\r\n        <p class=\"pca-body\">For policyholders, your Mutual Life Africa insurance policy is a financial asset \u2014 not just protection. Your accumulated policy tenure and cash value can be applied directly against your loan, reducing your balance and improving your terms without requiring a third-party credit bureau check.<\/p>\r\n      <\/div>\r\n      <div class=\"pca-pillars\">\r\n        <div class=\"pca-pillar\">\r\n          <h3>Policy tenure is rewarded<\/h3>\r\n          <p>The longer you have held your policy and maintained consistent premium payments, the stronger your credit position within Mutual Life Africa. Your loyalty and reliability directly improve your borrowing terms.<\/p>\r\n        <\/div>\r\n        <div class=\"pca-pillar\">\r\n          <h3>Affordability-first assessment<\/h3>\r\n          <p>For policy-backed loans, our credit check focuses on one thing \u2014 whether you can comfortably repay the loan. We are not penalising you for not having a Western credit score. We are assessing whether the repayment fits your life.<\/p>\r\n        <\/div>\r\n        <div class=\"pca-pillar\">\r\n          <h3>Multi-currency, one application<\/h3>\r\n          <p>All personal credit products are available in USD, GBP, EUR, and ZAR. You borrow in the currency you earn in. For borrowers in local African markets, the loan equivalent is calculated at the current rate so you always know exactly what you owe.<\/p>\r\n        <\/div>\r\n        <div class=\"pca-pillar\">\r\n          <h3>Transparent from the start<\/h3>\r\n          <p>Indicative APR ranges are shown upfront. All additional fees \u2014 administration, credit life insurance, service charges \u2014 are fully disclosed in your loan agreement before you sign. No surprises.<\/p>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- WHO IT'S FOR -->\r\n    <div class=\"pca-who-wrap\">\r\n      <div class=\"pca-who-header\">\r\n        <div>\r\n          <span class=\"pca-label\">Who it's for<\/span>\r\n          <h2>Built for <em>these people<\/em><\/h2>\r\n        <\/div>\r\n        <p>Our personal credit products serve a broad range of individuals across Africa and the global African diaspora. If you see yourself below, there is a product built for your situation.<\/p>\r\n      <\/div>\r\n      <div class=\"pca-who-grid\">\r\n\r\n        <div class=\"pca-who-card\">\r\n          <div class=\"pca-who-icon\"><svg viewBox=\"0 0 22 22\" fill=\"none\"><circle cx=\"11\" cy=\"7\" r=\"4\" stroke=\"#1A237E\" stroke-width=\"1.5\"\/><path d=\"M3 19c0-4.4 3.6-8 8-8s8 3.6 8 8\" stroke=\"#1A237E\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/div>\r\n          <div><span class=\"pca-who-num\">01<\/span><h3>African expats and diaspora members<\/h3><\/div>\r\n          <p>Africans living and working in the UK, Europe, USA, Middle East, or Asia who need credit in their earning currency \u2014 for a vehicle, a home purchase, or short-term personal needs.<\/p>\r\n        <\/div>\r\n\r\n        <div class=\"pca-who-card\">\r\n          <div class=\"pca-who-icon\"><svg viewBox=\"0 0 22 22\" fill=\"none\"><path d=\"M11 2L3 6v5c0 4.9 3.4 9.5 8 10.9C16.6 20.5 19 15.9 19 11V6L11 2z\" stroke=\"#1A237E\" stroke-width=\"1.5\"\/><path d=\"M8 11l2 2 4-4\" stroke=\"#1A237E\" stroke-width=\"1.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\r\n          <div><span class=\"pca-who-num\">02<\/span><h3>Mutual Life Africa policyholders<\/h3><\/div>\r\n          <p>Existing policyholders with 12+ months of active, on-time premiums who want to leverage their policy tenure and cash value to access faster, better-rate credit without a bureau check.<\/p>\r\n        <\/div>\r\n\r\n        <div class=\"pca-who-card\">\r\n          <div class=\"pca-who-icon\"><svg viewBox=\"0 0 22 22\" fill=\"none\"><circle cx=\"11\" cy=\"11\" r=\"8\" stroke=\"#1A237E\" stroke-width=\"1.5\"\/><path d=\"M11 3v18M3 11h16\" stroke=\"#1A237E\" stroke-width=\"1.2\" stroke-linecap=\"round\"\/><\/svg><\/div>\r\n          <div><span class=\"pca-who-num\">03<\/span><h3>Foreign nationals in South Africa<\/h3><\/div>\r\n          <p>Non-South African nationals living and working in South Africa who need ZAR-denominated personal credit \u2014 for a vehicle, a home, or bridging short-term financial gaps.<\/p>\r\n        <\/div>\r\n\r\n        <div class=\"pca-who-card\">\r\n          <div class=\"pca-who-icon\"><svg viewBox=\"0 0 22 22\" fill=\"none\"><path d=\"M3 19V9l8-6 8 6v10H3z\" stroke=\"#1A237E\" stroke-width=\"1.5\" stroke-linejoin=\"round\"\/><path d=\"M9 19v-5h4v5\" stroke=\"#1A237E\" stroke-width=\"1.5\"\/><\/svg><\/div>\r\n          <div><span class=\"pca-who-num\">04<\/span><h3>First-time home buyers in Africa<\/h3><\/div>\r\n          <p>Individuals purchasing a standalone, title-deeded residential property in an approved area \u2014 including diaspora members buying property in their home country for the first time.<\/p>\r\n        <\/div>\r\n\r\n        <div class=\"pca-who-card\">\r\n          <div class=\"pca-who-icon\"><svg viewBox=\"0 0 22 22\" fill=\"none\"><path d=\"M3 15l2.5-5.5A2 2 0 017.4 8h7.2a2 2 0 011.9 1.5L19 15M3 15v3h2v-1h12v1h2v-3M3 15h16\" stroke=\"#1A237E\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><circle cx=\"7.5\" cy=\"16.5\" r=\"1\" fill=\"#1A237E\"\/><circle cx=\"14.5\" cy=\"16.5\" r=\"1\" fill=\"#1A237E\"\/><\/svg><\/div>\r\n          <div><span class=\"pca-who-num\">05<\/span><h3>Vehicle buyers seeking structured finance<\/h3><\/div>\r\n          <p>Individuals purchasing a new or used vehicle (up to 5 years old) from a registered dealership who want structured monthly finance with in-house insurance included.<\/p>\r\n        <\/div>\r\n\r\n        <div class=\"pca-who-card\">\r\n          <div class=\"pca-who-icon\"><svg viewBox=\"0 0 22 22\" fill=\"none\"><rect x=\"3\" y=\"5\" width=\"16\" height=\"13\" rx=\"2\" stroke=\"#1A237E\" stroke-width=\"1.5\"\/><path d=\"M3 9h16\" stroke=\"#1A237E\" stroke-width=\"1.5\"\/><path d=\"M7 13h4M15 13h2\" stroke=\"#1A237E\" stroke-width=\"1.2\" stroke-linecap=\"round\"\/><\/svg><\/div>\r\n          <div><span class=\"pca-who-num\">06<\/span><h3>Individuals needing short-term cash<\/h3><\/div>\r\n          <p>Anyone facing a short-term cash flow gap \u2014 an unexpected expense, a delayed salary, or a temporary financial bridge \u2014 who needs fast access to a small, structured loan with clear repayment terms.<\/p>\r\n        <\/div>\r\n\r\n      <\/div>\r\n\r\n      <div class=\"pca-not-for\">\r\n        <div class=\"pca-not-icon\">\r\n          <svg viewBox=\"0 0 18 18\" fill=\"none\"><circle cx=\"9\" cy=\"9\" r=\"7\" stroke=\"#888\" stroke-width=\"1.4\"\/><path d=\"M6 9h6\" stroke=\"#888\" stroke-width=\"1.4\" stroke-linecap=\"round\"\/><\/svg>\r\n        <\/div>\r\n        <div>\r\n          <h4>Who personal credit is not for<\/h4>\r\n          <p>Personal credit products are not available for business purposes, commercial projects, property renovation or construction, refinancing of existing loans, or any purpose outside the intended use of the specific product. Business owners seeking working capital, vehicle fleets, or property development finance should refer to our <a href=\"https:\/\/mutuallife.africa\/credit-and-finance\/business\" style=\"color:#1A237E;font-weight:700\">Business Credit<\/a> products.<\/p>\r\n        <\/div>\r\n      <\/div>\r\n\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45a39f3 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"45a39f3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fffcf53 elementor-widget elementor-widget-html\" data-id=\"fffcf53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@600;700&family=Oswald:wght@400;500;600&family=Philosopher:ital,wght@0,400;0,700;1,400&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n.pcq *{box-sizing:border-box;margin:0;padding:0;word-break:break-word;overflow-wrap:break-word}\r\n.pcq{background:#f7f7f2 !important;padding:96px 40px;width:100%;overflow:hidden}\r\n.pcq-inner{max-width:680px;margin:0 auto;width:100%}\r\n.pcq .pcq-label{font-family:'Syne',sans-serif !important;font-size:11px !important;font-weight:700 !important;text-transform:uppercase !important;letter-spacing:0.1em !important;color:#C9A84C !important;margin-bottom:10px !important;display:block !important}\r\n.pcq h2{font-family:'Syne',sans-serif !important;font-size:30px !important;font-weight:700 !important;color:#000000 !important;line-height:1.2 !important;margin-bottom:8px !important}\r\n.pcq .pcq-intro{font-family:'Philosopher',serif !important;font-size:14px !important;color:#555 !important;line-height:1.7 !important;margin-bottom:32px !important}\r\n\/* Card *\/\r\n.pcq .pcq-card{background:#ffffff !important;border:1.5px solid rgba(201,168,76,0.3);border-radius:20px;padding:2rem;overflow:hidden;width:100%}\r\n.pcq .pcq-prog-bar{height:3px;background:rgba(201,168,76,0.15);border-radius:2px;margin-bottom:8px;overflow:hidden}\r\n.pcq .pcq-prog-fill{height:100%;background:#C9A84C;border-radius:2px;transition:width 0.4s ease}\r\n.pcq .pcq-prog-label{font-family:'Philosopher',serif !important;font-size:12px !important;color:rgba(0,0,0,0.4) !important;margin-bottom:1.75rem !important;display:block !important}\r\n\/* Steps *\/\r\n.pcq .pcq-step{display:none}\r\n.pcq .pcq-step.active{display:block;animation:pcqFade 0.3s ease}\r\n@keyframes pcqFade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}\r\n.pcq .pcq-q-label{font-family:'Philosopher',serif !important;font-size:11px !important;text-transform:uppercase !important;letter-spacing:2px !important;color:#C9A84C !important;font-weight:700 !important;margin-bottom:0.5rem !important;display:block !important}\r\n.pcq .pcq-q-title{font-family:'Syne',sans-serif !important;font-size:20px !important;font-weight:700 !important;color:#000000 !important;line-height:1.25 !important;margin-bottom:0.4rem !important;display:block !important}\r\n.pcq .pcq-q-sub{font-family:'Philosopher',serif !important;font-size:13px !important;color:rgba(0,0,0,0.5) !important;line-height:1.6 !important;margin-bottom:1.5rem !important;display:block !important}\r\n\/* Options *\/\r\n.pcq .pcq-options{display:flex;flex-direction:column;gap:10px}\r\n.pcq .pcq-options.grid2{display:grid;grid-template-columns:1fr 1fr;gap:10px}\r\n.pcq .pcq-opt{width:100%;padding:12px 14px;border:1.5px solid rgba(201,168,76,0.25);border-radius:14px;background:#ffffff !important;cursor:pointer;text-align:left;display:flex;align-items:flex-start;justify-content:space-between;transition:all 0.18s;min-height:52px;-webkit-tap-highlight-color:transparent;overflow:hidden;gap:8px}\r\n.pcq .pcq-opt:hover{border-color:#C9A84C;background:rgba(201,168,76,0.04) !important}\r\n.pcq .pcq-opt.selected{border-color:#C9A84C;background:rgba(201,168,76,0.07) !important}\r\n.pcq .pcq-opt-main{font-family:'Syne',sans-serif !important;font-size:14px !important;font-weight:700 !important;color:#000000 !important;display:block !important;word-break:break-word !important;overflow-wrap:break-word !important}\r\n.pcq .pcq-opt-sub{font-family:'Philosopher',serif !important;font-size:12px !important;color:rgba(0,0,0,0.5) !important;display:block !important;margin-top:2px !important;word-break:break-word !important;overflow-wrap:break-word !important}\r\n.pcq .pcq-check{width:20px;height:20px;min-width:20px;border-radius:50%;border:1.5px solid rgba(201,168,76,0.4);display:flex;align-items:center;justify-content:center;transition:all 0.18s;flex-shrink:0}\r\n.pcq .pcq-opt.selected .pcq-check{background:#C9A84C !important;border-color:#C9A84C}\r\n.pcq .pcq-opt.selected .pcq-check::after{content:'';width:5px;height:5px;border-radius:50%;background:#ffffff}\r\n\/* Amount input *\/\r\n.pcq .pcq-input-wrap{position:relative;margin-bottom:1rem}\r\n.pcq .pcq-currency-tag{position:absolute;left:14px;top:50%;transform:translateY(-50%);font-family:'Syne',sans-serif !important;font-size:14px !important;font-weight:700 !important;color:#1A237E !important;pointer-events:none}\r\n.pcq .pcq-amount-input{width:100%;padding:14px 14px 14px 48px;border:1.5px solid rgba(201,168,76,0.3);border-radius:14px;font-family:'Oswald',sans-serif !important;font-size:24px !important;font-weight:500 !important;color:#000000 !important;outline:none;background:#ffffff !important;transition:border-color 0.2s}\r\n.pcq .pcq-amount-input:focus{border-color:#C9A84C}\r\n.pcq .pcq-amount-hint{font-family:'Philosopher',serif !important;font-size:12px !important;color:rgba(0,0,0,0.4) !important;margin-bottom:1.5rem !important;display:block !important}\r\n\/* Text inputs *\/\r\n.pcq .pcq-field-group{display:flex;flex-direction:column;gap:12px;margin-bottom:1.5rem}\r\n.pcq .pcq-field{display:flex;flex-direction:column;gap:6px}\r\n.pcq .pcq-field label{font-family:'Syne',sans-serif !important;font-size:11px !important;font-weight:700 !important;text-transform:uppercase !important;letter-spacing:0.07em !important;color:#555 !important}\r\n.pcq .pcq-field input,.pcq .pcq-field select{width:100%;padding:12px 14px;border:1.5px solid rgba(201,168,76,0.25);border-radius:12px;font-family:'Philosopher',serif !important;font-size:14px !important;color:#000000 !important;outline:none;background:#ffffff !important;transition:border-color 0.2s;-webkit-appearance:none}\r\n.pcq .pcq-field input:focus,.pcq .pcq-field select:focus{border-color:#C9A84C}\r\n.pcq .pcq-field input::placeholder{color:rgba(0,0,0,0.35) !important}\r\n.pcq .pcq-field-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}\r\n\/* Next \/ Submit button *\/\r\n.pcq .pcq-next{margin-top:1.5rem;width:100%;padding:14px;background:#ffffff !important;color:#000000 !important;border:1.5px solid #C9A84C;border-radius:14px;font-family:'Syne',sans-serif !important;font-size:14px !important;font-weight:700 !important;cursor:pointer;transition:all 0.2s;min-height:52px}\r\n.pcq .pcq-next:hover{background:rgba(201,168,76,0.08) !important}\r\n.pcq .pcq-next:disabled{opacity:0.3;cursor:not-allowed}\r\n.pcq .pcq-submit{margin-top:1rem;width:100%;padding:14px;background:#C9A84C !important;color:#1A237E !important;border:none;border-radius:14px;font-family:'Syne',sans-serif !important;font-size:14px !important;font-weight:700 !important;cursor:pointer;transition:opacity 0.2s;min-height:52px}\r\n.pcq .pcq-submit:hover{opacity:0.88}\r\n\/* Back *\/\r\n.pcq .pcq-back{background:none !important;border:none !important;font-family:'Philosopher',serif !important;font-size:13px !important;color:rgba(0,0,0,0.4) !important;cursor:pointer;padding:4px 0;margin-bottom:1rem;display:none;align-items:center;gap:6px}\r\n.pcq .pcq-back.show{display:flex}\r\n\/* Block screen *\/\r\n.pcq .pcq-block{background:#fff8f0 !important;border:1.5px solid rgba(201,168,76,0.35);border-radius:14px;padding:24px 22px;margin-bottom:1.25rem}\r\n.pcq .pcq-block-icon{width:44px;height:44px;background:rgba(201,168,76,0.15) !important;border-radius:10px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}\r\n.pcq .pcq-block-icon svg{width:22px;height:22px}\r\n.pcq .pcq-block h3{font-family:'Syne',sans-serif !important;font-size:16px !important;font-weight:700 !important;color:#000000 !important;margin-bottom:8px !important}\r\n.pcq .pcq-block p{font-family:'Philosopher',serif !important;font-size:14px !important;color:#333 !important;line-height:1.75 !important;margin:0 !important}\r\n.pcq .pcq-block-alt{background:#f0f2ff !important;border-color:rgba(26,35,126,0.2) !important}\r\n\/* Result box *\/\r\n.pcq .pcq-result-box{background:#1A237E !important;border-radius:14px;padding:1.5rem;margin-bottom:1.25rem}\r\n.pcq .pcq-result-row{display:flex;justify-content:space-between;align-items:flex-start;padding:8px 0;border-bottom:1px solid rgba(201,168,76,0.2);gap:12px}\r\n.pcq .pcq-result-row:last-child{border-bottom:none;padding-top:14px}\r\n.pcq .pcq-result-key{font-family:'Philosopher',serif !important;font-size:13px !important;color:rgba(255,255,255,0.6) !important;flex-shrink:0;max-width:55%}\r\n.pcq .pcq-result-val{font-family:'Syne',sans-serif !important;font-size:13px !important;font-weight:700 !important;color:#ffffff !important;text-align:right !important;min-width:0;word-break:break-word}\r\n.pcq .pcq-result-range-label{font-family:'Syne',sans-serif !important;font-size:10px !important;font-weight:700 !important;text-transform:uppercase !important;letter-spacing:0.08em !important;color:#C9A84C !important;display:block !important;margin-bottom:6px !important}\r\n.pcq .pcq-range-vals{display:flex;align-items:baseline;gap:8px;justify-content:flex-end}\r\n.pcq .pcq-range-low{font-family:'Oswald',sans-serif !important;font-size:22px !important;font-weight:600 !important;color:rgba(255,255,255,0.7) !important}\r\n.pcq .pcq-range-sep{font-family:'Philosopher',serif !important;font-size:13px !important;color:rgba(255,255,255,0.4) !important}\r\n.pcq .pcq-range-high{font-family:'Oswald',sans-serif !important;font-size:28px !important;font-weight:600 !important;color:#C9A84C !important}\r\n.pcq .pcq-range-period{font-family:'Philosopher',serif !important;font-size:12px !important;color:rgba(255,255,255,0.45) !important;display:block !important;text-align:right !important;margin-top:2px !important}\r\n.pcq .pcq-offset-badge{background:rgba(201,168,76,0.15) !important;border:1px solid rgba(201,168,76,0.3);border-radius:8px;padding:10px 12px;margin-bottom:1rem}\r\n.pcq .pcq-offset-badge p{font-family:'Philosopher',serif !important;font-size:12px !important;color:#000000 !important;margin:0 !important;line-height:1.6 !important}\r\n.pcq .pcq-offset-badge strong{font-family:'Syne',sans-serif !important;font-weight:700 !important;color:#C9A84C !important}\r\n\/* Disclaimer *\/\r\n.pcq .pcq-disclaimer{background:rgba(201,168,76,0.08) !important;border:1px solid rgba(201,168,76,0.2);border-radius:10px;padding:12px 14px;margin-bottom:1.25rem}\r\n.pcq .pcq-disclaimer p{font-family:'Philosopher',serif !important;font-size:12px !important;color:rgba(0,0,0,0.55) !important;line-height:1.65 !important;margin:0 !important;font-style:italic !important}\r\n\/* Thank you *\/\r\n.pcq .pcq-thankyou{text-align:center;padding:2rem 1rem}\r\n.pcq .pcq-ty-icon{width:64px;height:64px;background:#f0f2ff !important;border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 20px}\r\n.pcq .pcq-ty-icon svg{width:32px;height:32px}\r\n.pcq .pcq-thankyou h3{font-family:'Syne',sans-serif !important;font-size:22px !important;font-weight:700 !important;color:#000000 !important;margin-bottom:10px !important}\r\n.pcq .pcq-thankyou p{font-family:'Philosopher',serif !important;font-size:14px !important;color:#555 !important;line-height:1.75 !important;margin-bottom:6px !important}\r\n.pcq .pcq-thankyou .pcq-ref{font-family:'Syne',sans-serif !important;font-size:11px !important;font-weight:700 !important;color:#C9A84C !important;background:#f0f2ff !important;padding:4px 12px;border-radius:10px;display:inline-block;margin-top:8px}\r\n\/* Restart *\/\r\n.pcq .pcq-restart{text-align:center;margin-top:14px}\r\n.pcq .pcq-restart button{background:none !important;border:none !important;font-family:'Philosopher',serif !important;font-size:12px !important;color:rgba(0,0,0,0.4) !important;cursor:pointer;text-decoration:underline;padding:6px}\r\n@media(max-width:600px){\r\n  .pcq{padding:48px 16px !important}\r\n  .pcq h2{font-size:20px !important}\r\n  .pcq .pcq-intro{font-size:13px !important}\r\n  .pcq .pcq-card{padding:1.25rem 1rem !important}\r\n  .pcq .pcq-q-title{font-size:16px !important;line-height:1.3 !important}\r\n  .pcq .pcq-q-sub{font-size:12px !important}\r\n  .pcq .pcq-options.grid2{grid-template-columns:1fr 1fr !important}\r\n  .pcq .pcq-opt-main{font-size:12px !important}\r\n  .pcq .pcq-opt-sub{font-size:11px !important}\r\n  .pcq .pcq-field-row{grid-template-columns:1fr !important}\r\n  .pcq .pcq-result-box{padding:1rem !important}\r\n  .pcq .pcq-result-key{font-size:11px !important;max-width:50% !important}\r\n  .pcq .pcq-result-val{font-size:11px !important}\r\n  .pcq .pcq-range-low{font-size:18px !important}\r\n  .pcq .pcq-range-high{font-size:22px !important}\r\n  .pcq .pcq-amount-input{font-size:20px !important}\r\n  .pcq .pcq-block h3{font-size:14px !important}\r\n  .pcq .pcq-block p{font-size:13px !important}\r\n}\r\n<\/style>\r\n\r\n<div class=\"pcq\">\r\n  <div class=\"pcq-inner\">\r\n    <span class=\"pcq-label\">Lending guide & pre-qualifier<\/span>\r\n    <h2>Find your rate and pre-qualify<\/h2>\r\n    <p class=\"pcq-intro\">Answer a few questions to see an indicative repayment range and pre-qualify for a personal credit product. This is a guide only \u2014 your final loan amount, rate, and terms depend on your profile and are subject to full credit assessment and approval.<\/p>\r\n\r\n    <div class=\"pcq-card\">\r\n      <div class=\"pcq-prog-bar\"><div class=\"pcq-prog-fill\" id=\"pcqFill\" style=\"width:0%\"><\/div><\/div>\r\n      <span class=\"pcq-prog-label\" id=\"pcqPLabel\">Step 1 of 8<\/span>\r\n      <button class=\"pcq-back\" id=\"pcqBack\" onclick=\"pcqGoBack()\">&#8592; Back<\/button>\r\n\r\n      <!-- S1: POLICYHOLDER? -->\r\n      <div class=\"pcq-step active\" id=\"pcqs1\">\r\n        <span class=\"pcq-q-label\">About you<\/span>\r\n        <span class=\"pcq-q-title\">Do you have an active<br>Mutual Life Africa policy?<\/span>\r\n        <span class=\"pcq-q-sub\">Your policy status determines which credit products and rates are available to you.<\/span>\r\n        <div class=\"pcq-options\">\r\n          <button class=\"pcq-opt\" onclick=\"pcqSet('policyholder',true,this);document.getElementById('pcqN1').disabled=false\">\r\n            <div><span class=\"pcq-opt-main\">Yes \u2014 I have an active policy<\/span><span class=\"pcq-opt-sub\">Life Cover or Funeral Cover with Mutual Life Africa<\/span><\/div>\r\n            <div class=\"pcq-check\"><\/div>\r\n          <\/button>\r\n          <button class=\"pcq-opt\" onclick=\"pcqSet('policyholder',false,this);document.getElementById('pcqN1').disabled=false\">\r\n            <div><span class=\"pcq-opt-main\">No \u2014 I don't have a policy<\/span><span class=\"pcq-opt-sub\">I am applying as a new credit customer<\/span><\/div>\r\n            <div class=\"pcq-check\"><\/div>\r\n          <\/button>\r\n        <\/div>\r\n        <button class=\"pcq-next\" id=\"pcqN1\" disabled onclick=\"pcqStep1Next()\">Continue<\/button>\r\n      <\/div>\r\n\r\n      <!-- S2a: POLICY AGE (policyholders only) -->\r\n      <div class=\"pcq-step\" id=\"pcqs2a\">\r\n        <span class=\"pcq-q-label\">Your policy<\/span>\r\n        <span class=\"pcq-q-title\">How long has your policy<br>been active?<\/span>\r\n        <span class=\"pcq-q-sub\">Policy-backed loans require a minimum of 12 months of active, on-time premium payments.<\/span>\r\n        <div class=\"pcq-options\">\r\n          <button class=\"pcq-opt\" onclick=\"pcqSet('policyAge','under12',this);document.getElementById('pcqN2a').disabled=false\">\r\n            <div><span class=\"pcq-opt-main\">Under 12 months<\/span><span class=\"pcq-opt-sub\">My policy is less than a year old<\/span><\/div>\r\n            <div class=\"pcq-check\"><\/div>\r\n          <\/button>\r\n          <button class=\"pcq-opt\" onclick=\"pcqSet('policyAge','12to24',this);document.getElementById('pcqN2a').disabled=false\">\r\n            <div><span class=\"pcq-opt-main\">12 to 24 months<\/span><span class=\"pcq-opt-sub\">Between 1 and 2 years active<\/span><\/div>\r\n            <div class=\"pcq-check\"><\/div>\r\n          <\/button>\r\n          <button class=\"pcq-opt\" onclick=\"pcqSet('policyAge','over24',this);document.getElementById('pcqN2a').disabled=false\">\r\n            <div><span class=\"pcq-opt-main\">Over 24 months<\/span><span class=\"pcq-opt-sub\">More than 2 years active<\/span><\/div>\r\n            <div class=\"pcq-check\"><\/div>\r\n          <\/button>\r\n        <\/div>\r\n        <button class=\"pcq-next\" id=\"pcqN2a\" disabled onclick=\"pcqStep2aNext()\">Continue<\/button>\r\n      <\/div>\r\n\r\n      <!-- S2b: CREDIT HISTORY (non-policyholders only) -->\r\n      <div class=\"pcq-step\" id=\"pcqs2b\">\r\n        <span class=\"pcq-q-label\">Credit history<\/span>\r\n        <span class=\"pcq-q-title\">Which best describes<br>your credit history?<\/span>\r\n        <span class=\"pcq-q-sub\">We require a clean credit record. No blacklisting, defaults, or administration orders.<\/span>\r\n        <div class=\"pcq-options\">\r\n          <button class=\"pcq-opt\" onclick=\"pcqSet('creditStatus','clean',this);document.getElementById('pcqN2b').disabled=false\">\r\n            <div><span class=\"pcq-opt-main\">Clean \u2014 no defaults or judgements<\/span><span class=\"pcq-opt-sub\">Good standing, no blacklisting or administration orders<\/span><\/div>\r\n            <div class=\"pcq-check\"><\/div>\r\n          <\/button>\r\n          <button class=\"pcq-opt\" onclick=\"pcqSet('creditStatus','issues',this);document.getElementById('pcqN2b').disabled=false\">\r\n            <div><span class=\"pcq-opt-main\">I have had credit issues<\/span><span class=\"pcq-opt-sub\">Defaults, blacklisting, judgements, or administration orders<\/span><\/div>\r\n            <div class=\"pcq-check\"><\/div>\r\n          <\/button>\r\n        <\/div>\r\n        <button class=\"pcq-next\" id=\"pcqN2b\" disabled onclick=\"pcqStep2bNext()\">Continue<\/button>\r\n      <\/div>\r\n\r\n      <!-- S3: LOAN TYPE -->\r\n      <div class=\"pcq-step\" id=\"pcqs3\">\r\n        <span class=\"pcq-q-label\">Loan type<\/span>\r\n        <span class=\"pcq-q-title\">What type of loan<br>are you looking for?<\/span>\r\n        <span class=\"pcq-q-sub\">Select the product that best fits your need.<\/span>\r\n        <div class=\"pcq-options\" id=\"pcqLoanOpts\"><\/div>\r\n        <button class=\"pcq-next\" id=\"pcqN3\" disabled onclick=\"pcqStep3Next()\">Continue<\/button>\r\n      <\/div>\r\n\r\n      <!-- S4: LOAN-SPECIFIC GATE -->\r\n      <div class=\"pcq-step\" id=\"pcqs4\">\r\n        <span class=\"pcq-q-label\" id=\"pcqGateLabel\">Eligibility check<\/span>\r\n        <span class=\"pcq-q-title\" id=\"pcqGateTitle\">One quick question<\/span>\r\n        <span class=\"pcq-q-sub\" id=\"pcqGateSub\"><\/span>\r\n        <div class=\"pcq-options\" id=\"pcqGateOpts\"><\/div>\r\n        <button class=\"pcq-next\" id=\"pcqN4\" disabled onclick=\"pcqStep4Next()\">Continue<\/button>\r\n      <\/div>\r\n\r\n      <!-- S5: CURRENCY -->\r\n      <div class=\"pcq-step\" id=\"pcqs5\">\r\n        <span class=\"pcq-q-label\">Currency<\/span>\r\n        <span class=\"pcq-q-title\">Which currency<br>do you earn in?<\/span>\r\n        <span class=\"pcq-q-sub\">Your loan will be issued in your selected currency. Local African market equivalents apply.<\/span>\r\n        <div class=\"pcq-options grid2\">\r\n          <button class=\"pcq-opt\" onclick=\"pcqPickCurrency('USD','$',this)\"><div><span class=\"pcq-opt-main\">USD $<\/span><\/div><div class=\"pcq-check\"><\/div><\/button>\r\n          <button class=\"pcq-opt\" onclick=\"pcqPickCurrency('GBP','\u00a3',this)\"><div><span class=\"pcq-opt-main\">GBP \u00a3<\/span><\/div><div class=\"pcq-check\"><\/div><\/button>\r\n          <button class=\"pcq-opt\" onclick=\"pcqPickCurrency('EUR','\u20ac',this)\"><div><span class=\"pcq-opt-main\">EUR \u20ac<\/span><\/div><div class=\"pcq-check\"><\/div><\/button>\r\n          <button class=\"pcq-opt\" onclick=\"pcqPickCurrency('ZAR','R',this)\"><div><span class=\"pcq-opt-main\">ZAR R<\/span><\/div><div class=\"pcq-check\"><\/div><\/button>\r\n        <\/div>\r\n        <button class=\"pcq-next\" id=\"pcqN5\" disabled onclick=\"pcqNext('pcqs6')\">Continue<\/button>\r\n      <\/div>\r\n\r\n      <!-- S6: AMOUNT -->\r\n      <div class=\"pcq-step\" id=\"pcqs6\">\r\n        <span class=\"pcq-q-label\">Loan amount<\/span>\r\n        <span class=\"pcq-q-title\">How much<br>do you need?<\/span>\r\n        <span class=\"pcq-q-sub\" id=\"pcqAmtSub\">Enter a loan amount within the product limits.<\/span>\r\n        <div class=\"pcq-input-wrap\">\r\n          <span class=\"pcq-currency-tag\" id=\"pcqCurrTag\">$<\/span>\r\n          <input class=\"pcq-amount-input\" type=\"number\" id=\"pcqAmtInput\" placeholder=\"0\" min=\"1\" oninput=\"pcqAmtChange(this)\">\r\n        <\/div>\r\n        <span class=\"pcq-amount-hint\" id=\"pcqAmtHint\">Maximum: $1,000<\/span>\r\n        <button class=\"pcq-next\" id=\"pcqN6\" disabled onclick=\"pcqCalc()\">Calculate repayments<\/button>\r\n      <\/div>\r\n\r\n      <!-- S7: RESULT + FORM -->\r\n      <div class=\"pcq-step\" id=\"pcqs7\">\r\n        <span class=\"pcq-q-label\">Your indicative quote<\/span>\r\n        <span class=\"pcq-q-title\" id=\"pcqResTitle\">Estimated monthly repayment<\/span>\r\n        <span class=\"pcq-q-sub\">Based on your selections. Actual rate and terms depend on your full credit profile.<\/span>\r\n        <div class=\"pcq-result-box\" id=\"pcqResBox\"><\/div>\r\n        <div id=\"pcqOffsetBadge\" style=\"display:none\" class=\"pcq-offset-badge\"><p>As a qualifying policyholder, up to <strong>50% of your loan<\/strong> may be offset using your policy's cash value \u2014 reducing your outstanding balance and monthly repayments. This will be assessed during your credit review.<\/p><\/div>\r\n        <div class=\"pcq-disclaimer\"><p>This is a lending guide only. Figures are indicative based on best-case to standard-rate APR. Additional fees apply including administration fees, credit life insurance, and service charges. Final loan amount, rate, and terms are subject to full credit assessment and approval. Mutual Life Africa reserves the right to decline any application.<\/p><\/div>\r\n\r\n        <!-- PRE-QUALIFIER FORM -->\r\n        <span class=\"pcq-q-label\" style=\"margin-top:1.5rem\">Pre-qualification<\/span>\r\n        <span class=\"pcq-q-title\" style=\"font-size:17px !important;margin-bottom:0.4rem\">Submit your details<\/span>\r\n        <span class=\"pcq-q-sub\">Complete the form below and our credit team will be in touch to guide you through the next steps.<\/span>\r\n        <div class=\"pcq-field-group\">\r\n          <div class=\"pcq-field-row\">\r\n            <div class=\"pcq-field\"><label>First name<\/label><input type=\"text\" id=\"fqFirst\" placeholder=\"e.g. Martin\" oninput=\"pcqCheckForm()\"><\/div>\r\n            <div class=\"pcq-field\"><label>Last name<\/label><input type=\"text\" id=\"fqLast\" placeholder=\"e.g. Smith\" oninput=\"pcqCheckForm()\"><\/div>\r\n          <\/div>\r\n          <div class=\"pcq-field\"><label>Email address<\/label><input type=\"email\" id=\"fqEmail\" placeholder=\"your@email.com\" oninput=\"pcqCheckForm()\"><\/div>\r\n          <div class=\"pcq-field\"><label>Phone number<\/label><input type=\"tel\" id=\"fqPhone\" placeholder=\"+44 555 000 0000\" oninput=\"pcqCheckForm()\"><\/div>\r\n          <div class=\"pcq-field\"><label>Country of residence<\/label><input type=\"text\" id=\"fqCountry\" placeholder=\"e.g. United Kingdom\" oninput=\"pcqCheckForm()\"><\/div>\r\n          <div class=\"pcq-field\"><label>ID or passport number<\/label><input type=\"text\" id=\"fqId\" placeholder=\"Government-issued ID or passport number\" oninput=\"pcqCheckForm()\"><\/div>\r\n          <div class=\"pcq-field\"><label>Residential address<\/label><input type=\"text\" id=\"fqAddress\" placeholder=\"Full residential address\" oninput=\"pcqCheckForm()\"><\/div>\r\n        <\/div>\r\n        <button class=\"pcq-submit\" id=\"pcqSubmitBtn\" disabled onclick=\"pcqSubmit()\">Submit pre-qualification<\/button>\r\n      <\/div>\r\n\r\n      <!-- S8: THANK YOU -->\r\n      <div class=\"pcq-step\" id=\"pcqs8\">\r\n        <div class=\"pcq-thankyou\">\r\n          <div class=\"pcq-ty-icon\"><svg viewBox=\"0 0 32 32\" fill=\"none\"><circle cx=\"16\" cy=\"16\" r=\"12\" stroke=\"#1A237E\" stroke-width=\"1.8\"\/><path d=\"M10 16l4 4 8-8\" stroke=\"#C9A84C\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\r\n          <h3>Application received<\/h3>\r\n          <p>Thank you \u2014 we'll be in touch shortly to guide you through the next steps of your credit application.<\/p>\r\n          <p style=\"font-size:13px !important;color:rgba(0,0,0,0.45) !important\">Our credit team typically responds within 1\u20132 business days. Please check your inbox including your spam folder.<\/p>\r\n          <span class=\"pcq-ref\" id=\"pcqRefNum\"><\/span>\r\n        <\/div>\r\n        <div class=\"pcq-restart\"><button onclick=\"pcqRestart()\">Start a new application<\/button><\/div>\r\n      <\/div>\r\n\r\n      <!-- BLOCKED -->\r\n      <div class=\"pcq-step\" id=\"pcqsBlock\">\r\n        <div class=\"pcq-block\" id=\"pcqBlockBox\">\r\n          <div class=\"pcq-block-icon\"><svg viewBox=\"0 0 22 22\" fill=\"none\"><circle cx=\"11\" cy=\"11\" r=\"8\" stroke=\"#C9A84C\" stroke-width=\"1.5\"\/><path d=\"M11 7v5M11 15v.5\" stroke=\"#C9A84C\" stroke-width=\"1.8\" stroke-linecap=\"round\"\/><\/svg><\/div>\r\n          <h3 id=\"pcqBlockTitle\">Unable to proceed<\/h3>\r\n          <p id=\"pcqBlockMsg\">You do not currently meet the eligibility requirements for this product.<\/p>\r\n        <\/div>\r\n        <div class=\"pcq-restart\"><button onclick=\"pcqRestart()\">Start over<\/button><\/div>\r\n      <\/div>\r\n\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\r\n\r\n<script>\r\n(function(){\r\nvar TOTAL_STEPS = 8;\r\nvar state = {};\r\nvar history = [];\r\nvar current = 'pcqs1';\r\n\r\nvar MAXIMA = {\r\n  micro:  {USD:1000,  GBP:1000,  EUR:1000,  ZAR:8000},\r\n  short:  {USD:10000, GBP:10000, EUR:10000, ZAR:50000},\r\n  car:    {USD:50000, GBP:50000, EUR:50000, ZAR:500000},\r\n  home:   {USD:500000,GBP:500000,EUR:500000,ZAR:1500000}\r\n};\r\nvar LOAN_DEFS = {\r\n  micro:  {label:'Micro Loan',      aprLow:15, aprHigh:24, term:{USD:1,GBP:1,EUR:1,ZAR:1}},\r\n  short:  {label:'Short-Term Loan', aprLow:13, aprHigh:20, term:{USD:6,GBP:6,EUR:6,ZAR:6}},\r\n  car:    {label:'Car Loan',        aprLow:10, aprHigh:16, term:{USD:60,GBP:60,EUR:60,ZAR:36}},\r\n  home:   {label:'Home Loan',       aprLow:9,  aprHigh:14, term:{USD:240,GBP:240,EUR:240,ZAR:240}}\r\n};\r\n\r\n\/* \u2500\u2500 NAVIGATION \u2500\u2500 *\/\r\nfunction show(id){\r\n  document.querySelectorAll('.pcq-step').forEach(function(s){s.classList.remove('active')});\r\n  document.getElementById(id).classList.add('active');\r\n  current = id;\r\n  updateProg();\r\n  updateBack();\r\n  var card = document.querySelector('.pcq-card');\r\n  if(card) setTimeout(function(){card.scrollIntoView({behavior:'smooth',block:'start'});},80);\r\n}\r\nfunction push(id){history.push(current);show(id);}\r\nwindow.pcqNext = function(id){push(id);};\r\nwindow.pcqGoBack = function(){if(!history.length)return;var prev=history.pop();show(prev);};\r\n\r\nfunction updateProg(){\r\n  var map={pcqs1:1,pcqs2a:2,pcqs2b:2,pcqs3:3,pcqs4:4,pcqs5:5,pcqs6:6,pcqs7:7,pcqs8:8,pcqsBlock:0};\r\n  var step = map[current]||1;\r\n  document.getElementById('pcqFill').style.width = step>0 ? Math.round((step\/TOTAL_STEPS)*100)+'%' : document.getElementById('pcqFill').style.width;\r\n  document.getElementById('pcqPLabel').textContent = step>0 ? 'Step '+step+' of '+TOTAL_STEPS : 'Not eligible';\r\n}\r\nfunction updateBack(){\r\n  var btn = document.getElementById('pcqBack');\r\n  btn.className = history.length>0 ? 'pcq-back show' : 'pcq-back';\r\n}\r\n\r\n\/* \u2500\u2500 SET STATE \u2500\u2500 *\/\r\nwindow.pcqSet = function(key,val,btn){\r\n  state[key] = val;\r\n  var parent = btn.closest('.pcq-options');\r\n  if(parent) parent.querySelectorAll('.pcq-opt').forEach(function(b){b.classList.remove('selected')});\r\n  btn.classList.add('selected');\r\n};\r\n\r\n\/* \u2500\u2500 BLOCK \u2500\u2500 *\/\r\nfunction block(title, msg, altStyle){\r\n  document.getElementById('pcqBlockTitle').textContent = title;\r\n  document.getElementById('pcqBlockMsg').textContent = msg;\r\n  var box = document.getElementById('pcqBlockBox');\r\n  box.className = altStyle ? 'pcq-block pcq-block-alt' : 'pcq-block';\r\n  push('pcqsBlock');\r\n}\r\n\r\n\/* \u2500\u2500 STEP LOGIC \u2500\u2500 *\/\r\nwindow.pcqStep1Next = function(){\r\n  if(state.policyholder) push('pcqs2a');\r\n  else push('pcqs2b');\r\n};\r\n\r\nwindow.pcqStep2aNext = function(){\r\n  if(state.policyAge === 'under12'){\r\n    block(\r\n      'Policy too new',\r\n      'Your policy must be active for a minimum of 12 months with on-time premium payments before you can apply for a policy-backed loan. Keep your policy active and return once you reach the 12-month mark.'\r\n    );\r\n  } else {\r\n    buildLoanOptions();\r\n    push('pcqs3');\r\n  }\r\n};\r\n\r\nwindow.pcqStep2bNext = function(){\r\n  if(state.creditStatus === 'issues'){\r\n    block(\r\n      'Credit requirements not met',\r\n      'Mutual Life Africa personal credit requires a clean credit record with no blacklisting, defaults, judgements, or administration orders. We are unable to proceed with your application at this time. You may wish to consider applying for a Mutual Life Africa insurance policy \u2014 consistent premium payments build your credit standing with us over time.'\r\n    );\r\n  } else {\r\n    buildLoanOptions();\r\n    push('pcqs3');\r\n  }\r\n};\r\n\r\nfunction buildLoanOptions(){\r\n  var container = document.getElementById('pcqLoanOpts');\r\n  container.innerHTML = '';\r\n  state.loanType = null;\r\n  document.getElementById('pcqN3').disabled = true;\r\n  var loans = [\r\n    {key:'micro', label:'Micro Loan',      sub:'30 days \u00b7 Up to $1,000 \/ R8,000'},\r\n    {key:'short', label:'Short-Term Loan', sub:'30 days \u2013 6 months \u00b7 Up to $10,000 \/ R50,000'},\r\n    {key:'car',   label:'Car Loan',        sub:'New and used vehicles \u00b7 Up to $50,000 \/ R500,000'},\r\n    {key:'home',  label:'Home Loan',       sub:'Purchase only \u00b7 Up to $500,000 \/ R1,500,000'}\r\n  ];\r\n  loans.forEach(function(l){\r\n    var btn = document.createElement('button');\r\n    btn.className = 'pcq-opt';\r\n    btn.innerHTML = '<div><span class=\"pcq-opt-main\">'+l.label+'<\/span><span class=\"pcq-opt-sub\">'+l.sub+'<\/span><\/div><div class=\"pcq-check\"><\/div>';\r\n    btn.onclick = function(){\r\n      state.loanType = l.key;\r\n      container.querySelectorAll('.pcq-opt').forEach(function(b){b.classList.remove('selected')});\r\n      btn.classList.add('selected');\r\n      document.getElementById('pcqN3').disabled = false;\r\n    };\r\n    container.appendChild(btn);\r\n  });\r\n}\r\n\r\nwindow.pcqStep3Next = function(){\r\n  \/\/ Build gate question based on loan type\r\n  var gt = document.getElementById('pcqGateTitle');\r\n  var gs = document.getElementById('pcqGateSub');\r\n  var go = document.getElementById('pcqGateOpts');\r\n  var gl = document.getElementById('pcqGateLabel');\r\n  go.innerHTML = '';\r\n  state.gatePass = null;\r\n  document.getElementById('pcqN4').disabled = true;\r\n\r\n  if(state.loanType === 'car'){\r\n    gl.textContent = 'Vehicle eligibility';\r\n    gt.textContent = 'Is the vehicle from a registered dealership and 5 years old or newer?';\r\n    gs.textContent = 'Both conditions must be met. Private sales, auctions, and vehicles older than 5 years do not qualify.';\r\n    addGateOpts(go, [\r\n      {val:true,  label:'Yes \u2014 dealership vehicle, 5 years or newer'},\r\n      {val:false, label:'No \u2014 private sale, auction, or older vehicle'}\r\n    ]);\r\n  } else if(state.loanType === 'home'){\r\n    gl.textContent = 'Property eligibility';\r\n    gt.textContent = 'Is the property a standalone, fully titled property in an approved urban area?';\r\n    gs.textContent = 'The property must have its own title deed, be independently standing, and not located in a rural area.';\r\n    addGateOpts(go, [\r\n      {val:true,  label:'Yes \u2014 standalone, titled, urban or semi-urban'},\r\n      {val:false, label:'No \u2014 rural, shared, or without full title deed'}\r\n    ]);\r\n  } else if(state.loanType === 'home' && !state.policyholder){\r\n    \/\/ Non-policyholder home loan needs 700+ score acknowledgement \u2014 handled via creditStatus already\r\n    push('pcqs5'); return;\r\n  } else {\r\n    \/\/ Micro and short-term \u2014 no additional gate, go straight to currency\r\n    push('pcqs5'); return;\r\n  }\r\n  push('pcqs4');\r\n};\r\n\r\nfunction addGateOpts(container, opts){\r\n  opts.forEach(function(o){\r\n    var btn = document.createElement('button');\r\n    btn.className = 'pcq-opt';\r\n    btn.innerHTML = '<div><span class=\"pcq-opt-main\">'+o.label+'<\/span><\/div><div class=\"pcq-check\"><\/div>';\r\n    btn.onclick = function(){\r\n      state.gatePass = o.val;\r\n      container.querySelectorAll('.pcq-opt').forEach(function(b){b.classList.remove('selected')});\r\n      btn.classList.add('selected');\r\n      document.getElementById('pcqN4').disabled = false;\r\n    };\r\n    container.appendChild(btn);\r\n  });\r\n}\r\n\r\nwindow.pcqStep4Next = function(){\r\n  if(!state.gatePass){\r\n    if(state.loanType === 'car'){\r\n      block('Vehicle does not qualify','Only new or used vehicles that are 5 years old or newer, accident-free, and purchased from a registered dealership are eligible for vehicle finance.');\r\n    } else if(state.loanType === 'home'){\r\n      block('Property does not qualify','Home loans are available for standalone, fully titled residential properties in approved urban or semi-urban areas only. Rural properties and properties without independent title do not qualify.');\r\n    }\r\n  } else {\r\n    push('pcqs5');\r\n  }\r\n};\r\n\r\nwindow.pcqPickCurrency = function(cur,sym,btn){\r\n  state.currency = cur; state.currSymbol = sym;\r\n  btn.closest('.pcq-options').querySelectorAll('.pcq-opt').forEach(function(b){b.classList.remove('selected')});\r\n  btn.classList.add('selected');\r\n  document.getElementById('pcqN5').disabled = false;\r\n  var maxAmt = MAXIMA[state.loanType][cur];\r\n  document.getElementById('pcqCurrTag').textContent = sym;\r\n  document.getElementById('pcqAmtHint').textContent = 'Maximum: '+sym+maxAmt.toLocaleString();\r\n  document.getElementById('pcqAmtInput').max = maxAmt;\r\n  document.getElementById('pcqAmtInput').value = '';\r\n  document.getElementById('pcqN6').disabled = true;\r\n};\r\n\r\nwindow.pcqAmtChange = function(el){\r\n  var val = parseFloat(el.value);\r\n  var maxAmt = state.currency ? MAXIMA[state.loanType][state.currency] : 999999;\r\n  if(val > 0 && val <= maxAmt){ state.amount = val; document.getElementById('pcqN6').disabled = false; }\r\n  else { state.amount = null; document.getElementById('pcqN6').disabled = true; }\r\n};\r\n\r\nwindow.pcqCalc = function(){\r\n  var P = state.amount;\r\n  var sym = state.currSymbol;\r\n  var def = LOAN_DEFS[state.loanType];\r\n  var n = def.term[state.currency];\r\n  var rLow = def.aprLow\/100\/12;\r\n  var rHigh = def.aprHigh\/100\/12;\r\n  function monthly(p,r,mo){ if(mo===1) return p*(1+r); return p*r*Math.pow(1+r,mo)\/(Math.pow(1+r,mo)-1); }\r\n  var mLow = monthly(P,rLow,n);\r\n  var mHigh = monthly(P,rHigh,n);\r\n  var fmt = function(v){return sym+Math.round(v).toLocaleString();};\r\n  var termLabel = n===1?'1 month':n<12?n+' months':Math.round(n\/12)+' year'+(n\/12>1?'s':'');\r\n\r\n  document.getElementById('pcqResBox').innerHTML =\r\n    '<div class=\"pcq-result-row\"><span class=\"pcq-result-key\">Loan product<\/span><span class=\"pcq-result-val\">'+def.label+'<\/span><\/div>'+\r\n    '<div class=\"pcq-result-row\"><span class=\"pcq-result-key\">Applicant type<\/span><span class=\"pcq-result-val\">'+(state.policyholder?'Policyholder':'Standard applicant')+'<\/span><\/div>'+\r\n    '<div class=\"pcq-result-row\"><span class=\"pcq-result-key\">Loan amount<\/span><span class=\"pcq-result-val\">'+fmt(P)+'<\/span><\/div>'+\r\n    '<div class=\"pcq-result-row\"><span class=\"pcq-result-key\">Currency<\/span><span class=\"pcq-result-val\">'+state.currency+'<\/span><\/div>'+\r\n    '<div class=\"pcq-result-row\"><span class=\"pcq-result-key\">Indicative term<\/span><span class=\"pcq-result-val\">'+termLabel+'<\/span><\/div>'+\r\n    '<div class=\"pcq-result-row\"><span class=\"pcq-result-key\">APR range<\/span><span class=\"pcq-result-val\">'+def.aprLow+'% \u2013 '+def.aprHigh+'% p.a.<\/span><\/div>'+\r\n    '<div class=\"pcq-result-row\"><span class=\"pcq-result-key\">Total repayment range<\/span><span class=\"pcq-result-val\">'+fmt(mLow*n)+' \u2013 '+fmt(mHigh*n)+'<\/span><\/div>'+\r\n    '<div class=\"pcq-result-row\"><div style=\"flex:1\"><span class=\"pcq-result-range-label\">Estimated monthly repayment<\/span><div class=\"pcq-range-vals\"><span class=\"pcq-range-low\">'+fmt(mLow)+'<\/span><span class=\"pcq-range-sep\">to<\/span><span class=\"pcq-range-high\">'+fmt(mHigh)+'<\/span><\/div><span class=\"pcq-range-period\">per month \u00b7 indicative only<\/span><\/div><\/div>';\r\n\r\n  \/\/ Show cash value badge for qualifying policyholders (12+ months)\r\n  var badge = document.getElementById('pcqOffsetBadge');\r\n  badge.style.display = (state.policyholder && state.policyAge !== 'under12') ? 'block' : 'none';\r\n\r\n  push('pcqs7');\r\n};\r\n\r\n\/* \u2500\u2500 FORM \u2500\u2500 *\/\r\nwindow.pcqCheckForm = function(){\r\n  var fields = ['fqFirst','fqLast','fqEmail','fqPhone','fqCountry','fqId','fqAddress'];\r\n  var allFilled = fields.every(function(id){return document.getElementById(id).value.trim()!=='';});\r\n  document.getElementById('pcqSubmitBtn').disabled = !allFilled;\r\n};\r\n\r\nwindow.pcqSubmit = function(){\r\n  \/\/ Generate reference number\r\n  var ref = 'MLA-CR-'+Date.now().toString(36).toUpperCase().slice(-6);\r\n  document.getElementById('pcqRefNum').textContent = 'Reference: '+ref;\r\n  push('pcqs8');\r\n};\r\n\r\n\/* \u2500\u2500 RESTART \u2500\u2500 *\/\r\nwindow.pcqRestart = function(){\r\n  state = {}; history = [];\r\n  ['pcqN1','pcqN2a','pcqN2b','pcqN3','pcqN4','pcqN5','pcqN6'].forEach(function(id){\r\n    var el = document.getElementById(id);\r\n    if(el) el.disabled = true;\r\n  });\r\n  document.querySelectorAll('.pcq-opt').forEach(function(b){b.classList.remove('selected')});\r\n  document.getElementById('pcqAmtInput').value = '';\r\n  document.getElementById('pcqSubmitBtn').disabled = true;\r\n  ['fqFirst','fqLast','fqEmail','fqPhone','fqCountry','fqId','fqAddress'].forEach(function(id){\r\n    var el = document.getElementById(id); if(el) el.value = '';\r\n  });\r\n  show('pcqs1');\r\n};\r\n\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-df3ffdb e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"df3ffdb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2599819 elementor-widget elementor-widget-html\" data-id=\"2599819\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@600;700&family=Philosopher:ital,wght@0,400;0,700;1,400&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n.pcp *{box-sizing:border-box;margin:0;padding:0}\r\n.pcp{background:#ffffff !important;padding:96px 40px}\r\n.pcp-inner{max-width:960px;margin:0 auto}\r\n.pcp .pcp-label{font-family:'Syne',sans-serif !important;font-size:11px !important;font-weight:700 !important;text-transform:uppercase !important;letter-spacing:0.1em !important;color:#C9A84C !important;margin-bottom:14px !important;display:block !important}\r\n.pcp h2{font-family:'Syne',sans-serif !important;font-size:34px !important;font-weight:700 !important;color:#000000 !important;line-height:1.2 !important;margin-bottom:10px !important}\r\n.pcp .pcp-sub{font-family:'Philosopher',serif !important;font-size:15px !important;color:#555 !important;line-height:1.75 !important;margin-bottom:48px !important;max-width:600px}\r\n.pcp .pcp-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}\r\n\/* Card *\/\r\n.pcp .pcp-card{border-radius:16px;border:1px solid rgba(0,0,0,0.08);overflow:hidden;background:#ffffff !important;transition:all 0.2s;display:flex;flex-direction:column}\r\n.pcp .pcp-card:hover{transform:translateY(-3px);box-shadow:0 12px 40px rgba(26,35,126,0.1)}\r\n\/* Card header *\/\r\n.pcp .pcp-card-header{background:#1A237E !important;padding:24px 26px;display:flex;align-items:center;gap:14px}\r\n.pcp .pcp-card-icon{width:44px;height:44px;min-width:44px;background:rgba(201,168,76,0.18) !important;border-radius:10px;display:flex;align-items:center;justify-content:center}\r\n.pcp .pcp-card-icon svg{width:22px;height:22px}\r\n.pcp .pcp-card-title{font-family:'Syne',sans-serif !important;font-size:17px !important;font-weight:700 !important;color:#ffffff !important;display:block !important;margin-bottom:2px !important}\r\n.pcp .pcp-card-sub{font-family:'Philosopher',serif !important;font-size:12px !important;color:rgba(255,255,255,0.55) !important}\r\n\/* Badges *\/\r\n.pcp .pcp-badges{padding:14px 26px 0;display:flex;gap:6px;flex-wrap:wrap}\r\n.pcp .pcp-badge{font-family:'Syne',sans-serif !important;font-size:10px !important;font-weight:700 !important;text-transform:uppercase !important;letter-spacing:0.07em !important;padding:3px 10px;border-radius:10px;display:inline-block}\r\n.pcp .pcp-badge.policy{background:#f0f2ff !important;color:#1A237E !important}\r\n.pcp .pcp-badge.open{background:#f7f7f2 !important;color:#555 !important}\r\n\/* Card body *\/\r\n.pcp .pcp-card-body{padding:18px 26px;flex:1;display:flex;flex-direction:column}\r\n.pcp .pcp-desc{font-family:'Philosopher',serif !important;font-size:14px !important;color:#333 !important;line-height:1.8 !important;margin-bottom:18px !important}\r\n\/* Terms table *\/\r\n.pcp .pcp-terms{display:flex;flex-direction:column;border:1px solid rgba(0,0,0,0.07);border-radius:10px;overflow:hidden;margin-bottom:18px}\r\n.pcp .pcp-term-row{display:flex;justify-content:space-between;align-items:flex-start;padding:9px 14px;border-bottom:1px solid rgba(0,0,0,0.06);gap:12px}\r\n.pcp .pcp-term-row:last-child{border-bottom:none}\r\n.pcp .pcp-term-row:nth-child(even){background:#f9f9f9 !important}\r\n.pcp .pcp-term-key{font-family:'Syne',sans-serif !important;font-size:11px !important;font-weight:700 !important;text-transform:uppercase !important;letter-spacing:0.05em !important;color:#888 !important;flex-shrink:0}\r\n.pcp .pcp-term-val{font-family:'Philosopher',serif !important;font-size:13px !important;color:#000000 !important;text-align:right !important;font-weight:700 !important}\r\n.pcp .pcp-term-val.gold{color:#C9A84C !important;font-family:'Syne',sans-serif !important}\r\n\/* Rate range *\/\r\n.pcp .pcp-rate-box{background:#f0f2ff !important;border-radius:10px;padding:12px 14px;margin-bottom:18px;display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap}\r\n.pcp .pcp-rate-label{font-family:'Syne',sans-serif !important;font-size:10px !important;font-weight:700 !important;text-transform:uppercase !important;letter-spacing:0.07em !important;color:#1A237E !important}\r\n.pcp .pcp-rate-range{font-family:'Syne',sans-serif !important;font-size:14px !important;font-weight:700 !important;color:#1A237E !important}\r\n\/* CTA *\/\r\n.pcp .pcp-apply{display:block;width:100%;padding:12px;background:#1A237E !important;color:#ffffff !important;border:none;border-radius:10px;font-family:'Syne',sans-serif !important;font-size:13px !important;font-weight:700 !important;text-align:center !important;text-decoration:none !important;cursor:pointer;transition:opacity 0.15s;letter-spacing:0.04em !important;margin-top:auto}\r\n.pcp .pcp-apply:hover{opacity:0.88}\r\n@media(max-width:900px){.pcp .pcp-grid{grid-template-columns:1fr}}\r\n@media(max-width:600px){.pcp{padding:64px 20px !important}.pcp h2{font-size:26px !important}}\r\n<\/style>\r\n\r\n<div class=\"pcp\">\r\n  <div class=\"pcp-inner\">\r\n    <span class=\"pcp-label\">Personal credit products<\/span>\r\n    <h2>Four products. One application.<\/h2>\r\n    <p class=\"pcp-sub\">All personal credit products are available in USD, GBP, EUR, and ZAR. For borrowers in local African markets, the equivalent local currency value applies at the time of approval.<\/p>\r\n    <div class=\"pcp-grid\">\r\n\r\n      <!-- MICRO LOAN -->\r\n      <div class=\"pcp-card\">\r\n        <div class=\"pcp-card-header\">\r\n          <div class=\"pcp-card-icon\"><svg viewBox=\"0 0 22 22\" fill=\"none\"><circle cx=\"11\" cy=\"11\" r=\"8\" stroke=\"#C9A84C\" stroke-width=\"1.5\"\/><path d=\"M11 7v4l3 2\" stroke=\"#C9A84C\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/div>\r\n          <div><span class=\"pcp-card-title\">Micro Loan<\/span><span class=\"pcp-card-sub\">30-day short term cash<\/span><\/div>\r\n        <\/div>\r\n        <div class=\"pcp-badges\">\r\n          <span class=\"pcp-badge policy\">Policy-backed<\/span>\r\n          <span class=\"pcp-badge open\">Open applicants<\/span>\r\n        <\/div>\r\n        <div class=\"pcp-card-body\">\r\n          <p class=\"pcp-desc\">Fast-access 30-day cash loan for immediate personal financial needs. Policy must be active for a minimum of 12 months with a clean on-time payment record. Credit check conducted for repayment affordability only.<\/p>\r\n          <div class=\"pcp-terms\">\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Max amount<\/span><span class=\"pcp-term-val\">USD\/GBP\/EUR $1,000 \u00b7 ZAR R8,000<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Term<\/span><span class=\"pcp-term-val\">30 days<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Min. policy age<\/span><span class=\"pcp-term-val\">12 months active<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Credit check<\/span><span class=\"pcp-term-val\">Affordability only<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Cash value offset<\/span><span class=\"pcp-term-val\">Up to 50% of loan<\/span><\/div>\r\n          <\/div>\r\n          <div class=\"pcp-rate-box\">\r\n            <span class=\"pcp-rate-label\">Indicative APR range<\/span>\r\n            <span class=\"pcp-rate-range\">15% \u2013 24% p.a.<\/span>\r\n          <\/div>\r\n          <a href=\"https:\/\/app.mutuallifeafrica.com\" class=\"pcp-apply\" target=\"_blank\" rel=\"noopener\">Apply in the app<\/a>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- SHORT TERM LOAN -->\r\n      <div class=\"pcp-card\">\r\n        <div class=\"pcp-card-header\">\r\n          <div class=\"pcp-card-icon\"><svg viewBox=\"0 0 22 22\" fill=\"none\"><rect x=\"3\" y=\"5\" width=\"16\" height=\"13\" rx=\"2\" stroke=\"#C9A84C\" stroke-width=\"1.5\"\/><path d=\"M3 9h16\" stroke=\"#C9A84C\" stroke-width=\"1.5\"\/><path d=\"M7 13h4M15 13h2\" stroke=\"#C9A84C\" stroke-width=\"1.3\" stroke-linecap=\"round\"\/><\/svg><\/div>\r\n          <div><span class=\"pcp-card-title\">Short-Term Loan<\/span><span class=\"pcp-card-sub\">30 days to 6 months<\/span><\/div>\r\n        <\/div>\r\n        <div class=\"pcp-badges\">\r\n          <span class=\"pcp-badge policy\">Policy-backed<\/span>\r\n          <span class=\"pcp-badge open\">Open applicants<\/span>\r\n        <\/div>\r\n        <div class=\"pcp-card-body\">\r\n          <p class=\"pcp-desc\">Structured personal credit for medium-term needs \u2014 covering larger expenses, bridging gaps, or consolidating short obligations. Policy-backed applicants benefit from faster approval and preferential rates.<\/p>\r\n          <div class=\"pcp-terms\">\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Max amount<\/span><span class=\"pcp-term-val\">USD\/GBP\/EUR $10,000 \u00b7 ZAR R50,000<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Term<\/span><span class=\"pcp-term-val\">30 days \u2013 6 months<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Min. policy age<\/span><span class=\"pcp-term-val\">12 months active<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Credit check<\/span><span class=\"pcp-term-val\">Affordability only<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Cash value offset<\/span><span class=\"pcp-term-val\">Up to 50% of loan<\/span><\/div>\r\n          <\/div>\r\n          <div class=\"pcp-rate-box\">\r\n            <span class=\"pcp-rate-label\">Indicative APR range<\/span>\r\n            <span class=\"pcp-rate-range\">13% \u2013 20% p.a.<\/span>\r\n          <\/div>\r\n          <a href=\"https:\/\/app.mutuallifeafrica.com\" class=\"pcp-apply\" target=\"_blank\" rel=\"noopener\">Apply in the app<\/a>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- CAR LOAN -->\r\n      <div class=\"pcp-card\">\r\n        <div class=\"pcp-card-header\">\r\n          <div class=\"pcp-card-icon\"><svg viewBox=\"0 0 22 22\" fill=\"none\"><path d=\"M3 14l1.5-4.5A2 2 0 016.4 8h9.2a2 2 0 011.9 1.5L19 14M3 14v3h2v-1h12v1h2v-3M3 14h16\" stroke=\"#C9A84C\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><circle cx=\"7\" cy=\"16\" r=\"1\" fill=\"#C9A84C\"\/><circle cx=\"15\" cy=\"16\" r=\"1\" fill=\"#C9A84C\"\/><\/svg><\/div>\r\n          <div><span class=\"pcp-card-title\">Car Loan<\/span><span class=\"pcp-card-sub\">New and used vehicles<\/span><\/div>\r\n        <\/div>\r\n        <div class=\"pcp-badges\">\r\n          <span class=\"pcp-badge policy\">Policy-backed<\/span>\r\n          <span class=\"pcp-badge open\">Open applicants<\/span>\r\n        <\/div>\r\n        <div class=\"pcp-card-body\">\r\n          <p class=\"pcp-desc\">Vehicle finance for new and used cars purchased at a registered dealership. The vehicle remains the property of Mutual Life Africa until the loan is fully repaid. In-house vehicle insurance is included in the monthly repayment.<\/p>\r\n          <div class=\"pcp-terms\">\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Max amount<\/span><span class=\"pcp-term-val\">USD\/GBP\/EUR $50,000 \u00b7 ZAR R500,000<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">New vehicle term<\/span><span class=\"pcp-term-val\">Up to 60 months<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Used vehicle term<\/span><span class=\"pcp-term-val\">Up to 36 months<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Vehicle age<\/span><span class=\"pcp-term-val\">5 years old or newer<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Vehicle condition<\/span><span class=\"pcp-term-val\">Accident-free \u00b7 Dealership only<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Insurance<\/span><span class=\"pcp-term-val\">In-house \u00b7 Included in repayment<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Cash value offset<\/span><span class=\"pcp-term-val\">Up to 50% of loan<\/span><\/div>\r\n          <\/div>\r\n          <div class=\"pcp-rate-box\">\r\n            <span class=\"pcp-rate-label\">Indicative APR range<\/span>\r\n            <span class=\"pcp-rate-range\">10% \u2013 16% p.a.<\/span>\r\n          <\/div>\r\n          <a href=\"https:\/\/app.mutuallifeafrica.com\" class=\"pcp-apply\" target=\"_blank\" rel=\"noopener\">Apply in the app<\/a>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- HOME LOAN -->\r\n      <div class=\"pcp-card\">\r\n        <div class=\"pcp-card-header\">\r\n          <div class=\"pcp-card-icon\"><svg viewBox=\"0 0 22 22\" fill=\"none\"><path d=\"M3 19V9.5L11 4l8 5.5V19H3z\" stroke=\"#C9A84C\" stroke-width=\"1.5\" stroke-linejoin=\"round\"\/><path d=\"M8 19v-6h6v6\" stroke=\"#C9A84C\" stroke-width=\"1.5\"\/><\/svg><\/div>\r\n          <div><span class=\"pcp-card-title\">Home Loan<\/span><span class=\"pcp-card-sub\">Property purchase finance<\/span><\/div>\r\n        <\/div>\r\n        <div class=\"pcp-badges\">\r\n          <span class=\"pcp-badge policy\">Policy-backed<\/span>\r\n          <span class=\"pcp-badge open\">Open applicants<\/span>\r\n        <\/div>\r\n        <div class=\"pcp-card-body\">\r\n          <p class=\"pcp-desc\">Structured home purchase finance for standalone titled properties in approved areas. The property must be independently owned with full title deed \u2014 not a portion, cottage, or room within another property. High-density areas considered case by case.<\/p>\r\n          <div class=\"pcp-terms\">\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Max amount<\/span><span class=\"pcp-term-val\">USD\/GBP\/EUR $500,000 \u00b7 ZAR R1,500,000<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Term<\/span><span class=\"pcp-term-val\">Up to 240 months (20 years)<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Ownership<\/span><span class=\"pcp-term-val\">Full title deed required<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Property type<\/span><span class=\"pcp-term-val\">Standalone only \u00b7 No rural areas<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Purpose<\/span><span class=\"pcp-term-val\">Purchase only<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">High density<\/span><span class=\"pcp-term-val\">Case by case<\/span><\/div>\r\n            <div class=\"pcp-term-row\"><span class=\"pcp-term-key\">Cash value offset<\/span><span class=\"pcp-term-val\">Up to 50% of loan<\/span><\/div>\r\n          <\/div>\r\n          <div class=\"pcp-rate-box\">\r\n            <span class=\"pcp-rate-label\">Indicative APR range<\/span>\r\n            <span class=\"pcp-rate-range\">9% \u2013 14% p.a.<\/span>\r\n          <\/div>\r\n          <a href=\"https:\/\/app.mutuallifeafrica.com\" class=\"pcp-apply\" target=\"_blank\" rel=\"noopener\">Apply in the app<\/a>\r\n        <\/div>\r\n      <\/div>\r\n\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-06c56a0 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"06c56a0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c2c32fb elementor-widget elementor-widget-html\" data-id=\"c2c32fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@600;700&family=Philosopher:ital,wght@0,400;0,700;1,400&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n.pcv *{box-sizing:border-box;margin:0;padding:0}\r\n.pcv{background:#000000 !important;padding:96px 40px;position:relative;overflow:hidden}\r\n.pcv::before{content:'';position:absolute;top:50%;right:-80px;transform:translateY(-50%);width:500px;height:500px;border-radius:50%;border:1px solid rgba(201,168,76,0.06);pointer-events:none}\r\n.pcv-inner{max-width:960px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center;position:relative;z-index:1}\r\n.pcv .pcv-label{font-family:'Syne',sans-serif !important;font-size:11px !important;font-weight:700 !important;text-transform:uppercase !important;letter-spacing:0.1em !important;color:#C9A84C !important;margin-bottom:14px !important;display:block !important}\r\n.pcv h2{font-family:'Syne',sans-serif !important;font-size:32px !important;font-weight:700 !important;color:#ffffff !important;line-height:1.2 !important;margin-bottom:18px !important}\r\n.pcv h2 em{color:#C9A84C !important;font-style:normal !important}\r\n.pcv .pcv-body{font-family:'Philosopher',serif !important;font-size:15px !important;color:rgba(255,255,255,0.72) !important;line-height:1.85 !important;margin-bottom:14px !important}\r\n.pcv .pcv-body:last-child{margin-bottom:0 !important}\r\n\/* Example box *\/\r\n.pcv .pcv-example{background:rgba(201,168,76,0.1) !important;border:1px solid rgba(201,168,76,0.25);border-radius:14px;padding:24px 26px;margin-top:28px}\r\n.pcv .pcv-example-label{font-family:'Syne',sans-serif !important;font-size:10px !important;font-weight:700 !important;text-transform:uppercase !important;letter-spacing:0.1em !important;color:#C9A84C !important;margin-bottom:14px !important;display:block !important}\r\n.pcv .pcv-rows{display:flex;flex-direction:column;gap:0}\r\n.pcv .pcv-row{display:flex;justify-content:space-between;align-items:center;padding:9px 0;border-bottom:1px solid rgba(201,168,76,0.15);gap:12px}\r\n.pcv .pcv-row:last-child{border-bottom:none;padding-top:14px}\r\n.pcv .pcv-row-key{font-family:'Philosopher',serif !important;font-size:13px !important;color:rgba(255,255,255,0.6) !important}\r\n.pcv .pcv-row-val{font-family:'Syne',sans-serif !important;font-size:14px !important;font-weight:700 !important;color:#ffffff !important;text-align:right !important}\r\n.pcv .pcv-row-val.gold{color:#C9A84C !important}\r\n.pcv .pcv-row-val.small{font-size:12px !important;color:rgba(255,255,255,0.5) !important;font-family:'Philosopher',serif !important;font-weight:400 !important}\r\n\/* Rules cards *\/\r\n.pcv .pcv-rules{display:flex;flex-direction:column;gap:14px}\r\n.pcv .pcv-rule{background:rgba(255,255,255,0.05) !important;border:1px solid rgba(201,168,76,0.18);border-radius:12px;padding:18px 20px;display:flex;gap:14px;align-items:flex-start}\r\n.pcv .pcv-rule-icon{width:36px;height:36px;min-width:36px;background:rgba(201,168,76,0.14) !important;border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0}\r\n.pcv .pcv-rule-icon svg{width:18px;height:18px}\r\n.pcv .pcv-rule h3{font-family:'Syne',sans-serif !important;font-size:13px !important;font-weight:700 !important;color:#ffffff !important;margin-bottom:4px !important}\r\n.pcv .pcv-rule p{font-family:'Philosopher',serif !important;font-size:13px !important;color:rgba(255,255,255,0.58) !important;line-height:1.65 !important;margin:0 !important}\r\n.pcv .pcv-notice{background:rgba(255,255,255,0.04) !important;border:1px solid rgba(255,255,255,0.08);border-radius:10px;padding:14px 18px;margin-top:14px}\r\n.pcv .pcv-notice p{font-family:'Philosopher',serif !important;font-size:12px !important;color:rgba(255,255,255,0.4) !important;line-height:1.7 !important;margin:0 !important;font-style:italic !important}\r\n@media(max-width:900px){.pcv-inner{grid-template-columns:1fr !important;gap:48px}}\r\n@media(max-width:600px){.pcv{padding:64px 20px !important}.pcv h2{font-size:26px !important}}\r\n<\/style>\r\n\r\n<div class=\"pcv\">\r\n  <div class=\"pcv-inner\">\r\n    <div>\r\n      <span class=\"pcv-label\">Policy cash value<\/span>\r\n      <h2>Use your policy's value to <em>reduce your loan<\/em><\/h2>\r\n      <p class=\"pcv-body\">If you hold a qualifying Mutual Life Africa insurance policy with accumulated cash value, you can apply up to 50% of your loan amount against that cash value at drawdown \u2014 immediately reducing your outstanding balance and your monthly repayments.<\/p>\r\n      <p class=\"pcv-body\">The cash value offsets the loan balance directly. Your policy cover amount reduces by the amount of cash value used \u2014 but your policy remains active and your family remains protected for the remaining cover value.<\/p>\r\n      <div class=\"pcv-example\">\r\n        <span class=\"pcv-example-label\">Example \u2014 how cash value offset works<\/span>\r\n        <div class=\"pcv-rows\">\r\n          <div class=\"pcv-row\"><span class=\"pcv-row-key\">Loan requested<\/span><span class=\"pcv-row-val\">$100,000<\/span><\/div>\r\n          <div class=\"pcv-row\"><span class=\"pcv-row-key\">Policy cash value<\/span><span class=\"pcv-row-val\">$50,000<\/span><\/div>\r\n          <div class=\"pcv-row\"><span class=\"pcv-row-key\">50% offset applied<\/span><span class=\"pcv-row-val gold\">\u2212 $50,000<\/span><\/div>\r\n          <div class=\"pcv-row\"><span class=\"pcv-row-key\">Outstanding balance to repay<\/span><span class=\"pcv-row-val gold\">$50,000<\/span><\/div>\r\n          <div class=\"pcv-row\"><span class=\"pcv-row-key\">Policy cover after offset<\/span><span class=\"pcv-row-val small\">Reduced by $50,000 cash value used<\/span><\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n    <div class=\"pcv-rules\">\r\n      <div class=\"pcv-rule\">\r\n        <div class=\"pcv-rule-icon\"><svg viewBox=\"0 0 18 18\" fill=\"none\"><path d=\"M9 2L3 5v4c0 3.5 2.5 6.8 6 7.5 3.5-.7 6-4 6-7.5V5L9 2z\" stroke=\"#C9A84C\" stroke-width=\"1.4\"\/><path d=\"M6 9l2 2 4-4\" stroke=\"#C9A84C\" stroke-width=\"1.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\r\n        <div><h3>Policy must be qualifying<\/h3><p>The policy must be active, in good standing, with no outstanding premium arrears and a minimum tenure of 12 months to be eligible for cash value offset.<\/p><\/div>\r\n      <\/div>\r\n      <div class=\"pcv-rule\">\r\n        <div class=\"pcv-rule-icon\"><svg viewBox=\"0 0 18 18\" fill=\"none\"><circle cx=\"9\" cy=\"9\" r=\"6\" stroke=\"#C9A84C\" stroke-width=\"1.4\"\/><path d=\"M9 6v3l2 2\" stroke=\"#C9A84C\" stroke-width=\"1.4\" stroke-linecap=\"round\"\/><\/svg><\/div>\r\n        <div><h3>Maximum 50% of loan amount<\/h3><p>Cash value can offset up to 50% of the total loan amount. The remaining 50% must be repaid through regular monthly instalments.<\/p><\/div>\r\n      <\/div>\r\n      <div class=\"pcv-rule\">\r\n        <div class=\"pcv-rule-icon\"><svg viewBox=\"0 0 18 18\" fill=\"none\"><path d=\"M3 9h12M9 3v12\" stroke=\"#C9A84C\" stroke-width=\"1.4\" stroke-linecap=\"round\"\/><\/svg><\/div>\r\n        <div><h3>Cover reduces, policy stays active<\/h3><p>Using cash value reduces the policy's sum assured by the amount applied. The policy itself remains active. Premiums are recalculated on the reduced cover amount.<\/p><\/div>\r\n      <\/div>\r\n      <div class=\"pcv-rule\">\r\n        <div class=\"pcv-rule-icon\"><svg viewBox=\"0 0 18 18\" fill=\"none\"><path d=\"M5 9l3 3 5-5\" stroke=\"#C9A84C\" stroke-width=\"1.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><rect x=\"2\" y=\"2\" width=\"14\" height=\"14\" rx=\"3\" stroke=\"#C9A84C\" stroke-width=\"1.4\"\/><\/svg><\/div>\r\n        <div><h3>We reserve the right to decline<\/h3><p>Mutual Life Africa reserves the right to decline a policy-backed loan application at its discretion, regardless of policy status or cash value availability.<\/p><\/div>\r\n      <\/div>\r\n      <div class=\"pcv-notice\">\r\n        <p>Cash value availability and eligibility is assessed at the time of application. Not all policies accrue cash value at the same rate. Speak to our credit team for a specific assessment of your policy.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f7e785 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"8f7e785\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8692221 elementor-widget elementor-widget-html\" data-id=\"8692221\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@600;700&family=Oswald:wght@400;500;600&family=Philosopher:ital,wght@0,400;0,700;1,400&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n.pcq *{box-sizing:border-box;margin:0;padding:0;word-break:break-word;overflow-wrap:break-word}\r\n.pcq{background:#f7f7f2 !important;padding:96px 40px;width:100%;overflow:hidden}\r\n.pcq-inner{max-width:680px;margin:0 auto;width:100%}\r\n.pcq .pcq-label{font-family:'Syne',sans-serif !important;font-size:11px !important;font-weight:700 !important;text-transform:uppercase !important;letter-spacing:0.1em !important;color:#C9A84C !important;margin-bottom:10px !important;display:block !important}\r\n.pcq h2{font-family:'Syne',sans-serif !important;font-size:30px !important;font-weight:700 !important;color:#000000 !important;line-height:1.2 !important;margin-bottom:8px !important}\r\n.pcq .pcq-intro{font-family:'Philosopher',serif !important;font-size:14px !important;color:#555 !important;line-height:1.7 !important;margin-bottom:32px !important}\r\n\/* Card *\/\r\n.pcq .pcq-card{background:#ffffff !important;border:1.5px solid rgba(201,168,76,0.3);border-radius:20px;padding:2rem;overflow:hidden;width:100%}\r\n.pcq .pcq-prog-bar{height:3px;background:rgba(201,168,76,0.15);border-radius:2px;margin-bottom:8px;overflow:hidden}\r\n.pcq .pcq-prog-fill{height:100%;background:#C9A84C;border-radius:2px;transition:width 0.4s ease}\r\n.pcq .pcq-prog-label{font-family:'Philosopher',serif !important;font-size:12px !important;color:rgba(0,0,0,0.4) !important;margin-bottom:1.75rem !important;display:block !important}\r\n\/* Steps *\/\r\n.pcq .pcq-step{display:none}\r\n.pcq .pcq-step.active{display:block;animation:pcqFade 0.3s ease}\r\n@keyframes pcqFade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}\r\n.pcq .pcq-q-label{font-family:'Philosopher',serif !important;font-size:11px !important;text-transform:uppercase !important;letter-spacing:2px !important;color:#C9A84C !important;font-weight:700 !important;margin-bottom:0.5rem !important;display:block !important}\r\n.pcq .pcq-q-title{font-family:'Syne',sans-serif !important;font-size:20px !important;font-weight:700 !important;color:#000000 !important;line-height:1.25 !important;margin-bottom:0.4rem !important;display:block !important}\r\n.pcq .pcq-q-sub{font-family:'Philosopher',serif !important;font-size:13px !important;color:rgba(0,0,0,0.5) !important;line-height:1.6 !important;margin-bottom:1.5rem !important;display:block !important}\r\n\/* Options *\/\r\n.pcq .pcq-options{display:flex;flex-direction:column;gap:10px}\r\n.pcq .pcq-options.grid2{display:grid;grid-template-columns:1fr 1fr;gap:10px}\r\n.pcq .pcq-opt{width:100%;padding:12px 14px;border:1.5px solid rgba(201,168,76,0.25);border-radius:14px;background:#ffffff !important;cursor:pointer;text-align:left;display:flex;align-items:flex-start;justify-content:space-between;transition:all 0.18s;min-height:52px;-webkit-tap-highlight-color:transparent;overflow:hidden;gap:8px}\r\n.pcq .pcq-opt:hover{border-color:#C9A84C;background:rgba(201,168,76,0.04) !important}\r\n.pcq .pcq-opt.selected{border-color:#C9A84C;background:rgba(201,168,76,0.07) !important}\r\n.pcq .pcq-opt-main{font-family:'Syne',sans-serif !important;font-size:14px !important;font-weight:700 !important;color:#000000 !important;display:block !important;word-break:break-word !important;overflow-wrap:break-word !important}\r\n.pcq .pcq-opt-sub{font-family:'Philosopher',serif !important;font-size:12px !important;color:rgba(0,0,0,0.5) !important;display:block !important;margin-top:2px !important;word-break:break-word !important;overflow-wrap:break-word !important}\r\n.pcq .pcq-check{width:20px;height:20px;min-width:20px;border-radius:50%;border:1.5px solid rgba(201,168,76,0.4);display:flex;align-items:center;justify-content:center;transition:all 0.18s;flex-shrink:0}\r\n.pcq .pcq-opt.selected .pcq-check{background:#C9A84C !important;border-color:#C9A84C}\r\n.pcq .pcq-opt.selected .pcq-check::after{content:'';width:5px;height:5px;border-radius:50%;background:#ffffff}\r\n\/* Amount input *\/\r\n.pcq .pcq-input-wrap{position:relative;margin-bottom:1rem}\r\n.pcq .pcq-currency-tag{position:absolute;left:14px;top:50%;transform:translateY(-50%);font-family:'Syne',sans-serif !important;font-size:14px !important;font-weight:700 !important;color:#1A237E !important;pointer-events:none}\r\n.pcq .pcq-amount-input{width:100%;padding:14px 14px 14px 48px;border:1.5px solid rgba(201,168,76,0.3);border-radius:14px;font-family:'Oswald',sans-serif !important;font-size:24px !important;font-weight:500 !important;color:#000000 !important;outline:none;background:#ffffff !important;transition:border-color 0.2s}\r\n.pcq .pcq-amount-input:focus{border-color:#C9A84C}\r\n.pcq .pcq-amount-hint{font-family:'Philosopher',serif !important;font-size:12px !important;color:rgba(0,0,0,0.4) !important;margin-bottom:1.5rem !important;display:block !important}\r\n\/* Text inputs *\/\r\n.pcq .pcq-field-group{display:flex;flex-direction:column;gap:12px;margin-bottom:1.5rem}\r\n.pcq .pcq-field{display:flex;flex-direction:column;gap:6px}\r\n.pcq .pcq-field label{font-family:'Syne',sans-serif !important;font-size:11px !important;font-weight:700 !important;text-transform:uppercase !important;letter-spacing:0.07em !important;color:#555 !important}\r\n.pcq .pcq-field input,.pcq .pcq-field select{width:100%;padding:12px 14px;border:1.5px solid rgba(201,168,76,0.25);border-radius:12px;font-family:'Philosopher',serif !important;font-size:14px !important;color:#000000 !important;outline:none;background:#ffffff !important;transition:border-color 0.2s;-webkit-appearance:none}\r\n.pcq .pcq-field input:focus,.pcq .pcq-field select:focus{border-color:#C9A84C}\r\n.pcq .pcq-field input::placeholder{color:rgba(0,0,0,0.35) !important}\r\n.pcq .pcq-field-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}\r\n\/* Next \/ Submit button *\/\r\n.pcq .pcq-next{margin-top:1.5rem;width:100%;padding:14px;background:#ffffff !important;color:#000000 !important;border:1.5px solid #C9A84C;border-radius:14px;font-family:'Syne',sans-serif !important;font-size:14px !important;font-weight:700 !important;cursor:pointer;transition:all 0.2s;min-height:52px}\r\n.pcq .pcq-next:hover{background:rgba(201,168,76,0.08) !important}\r\n.pcq .pcq-next:disabled{opacity:0.3;cursor:not-allowed}\r\n.pcq .pcq-submit{margin-top:1rem;width:100%;padding:14px;background:#C9A84C !important;color:#1A237E !important;border:none;border-radius:14px;font-family:'Syne',sans-serif !important;font-size:14px !important;font-weight:700 !important;cursor:pointer;transition:opacity 0.2s;min-height:52px}\r\n.pcq .pcq-submit:hover{opacity:0.88}\r\n\/* Back *\/\r\n.pcq .pcq-back{background:none !important;border:none !important;font-family:'Philosopher',serif !important;font-size:13px !important;color:rgba(0,0,0,0.4) !important;cursor:pointer;padding:4px 0;margin-bottom:1rem;display:none;align-items:center;gap:6px}\r\n.pcq .pcq-back.show{display:flex}\r\n\/* Block screen *\/\r\n.pcq .pcq-block{background:#fff8f0 !important;border:1.5px solid rgba(201,168,76,0.35);border-radius:14px;padding:24px 22px;margin-bottom:1.25rem}\r\n.pcq .pcq-block-icon{width:44px;height:44px;background:rgba(201,168,76,0.15) !important;border-radius:10px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}\r\n.pcq .pcq-block-icon svg{width:22px;height:22px}\r\n.pcq .pcq-block h3{font-family:'Syne',sans-serif !important;font-size:16px !important;font-weight:700 !important;color:#000000 !important;margin-bottom:8px !important}\r\n.pcq .pcq-block p{font-family:'Philosopher',serif !important;font-size:14px !important;color:#333 !important;line-height:1.75 !important;margin:0 !important}\r\n.pcq .pcq-block-alt{background:#f0f2ff !important;border-color:rgba(26,35,126,0.2) !important}\r\n\/* Result box *\/\r\n.pcq .pcq-result-box{background:#1A237E !important;border-radius:14px;padding:1.5rem;margin-bottom:1.25rem}\r\n.pcq .pcq-result-row{display:flex;justify-content:space-between;align-items:flex-start;padding:8px 0;border-bottom:1px solid rgba(201,168,76,0.2);gap:12px}\r\n.pcq .pcq-result-row:last-child{border-bottom:none;padding-top:14px}\r\n.pcq .pcq-result-key{font-family:'Philosopher',serif !important;font-size:13px !important;color:rgba(255,255,255,0.6) !important;flex-shrink:0;max-width:55%}\r\n.pcq .pcq-result-val{font-family:'Syne',sans-serif !important;font-size:13px !important;font-weight:700 !important;color:#ffffff !important;text-align:right !important;min-width:0;word-break:break-word}\r\n.pcq .pcq-result-range-label{font-family:'Syne',sans-serif !important;font-size:10px !important;font-weight:700 !important;text-transform:uppercase !important;letter-spacing:0.08em !important;color:#C9A84C !important;display:block !important;margin-bottom:6px !important}\r\n.pcq .pcq-range-vals{display:flex;align-items:baseline;gap:8px;justify-content:flex-end}\r\n.pcq .pcq-range-low{font-family:'Oswald',sans-serif !important;font-size:22px !important;font-weight:600 !important;color:rgba(255,255,255,0.7) !important}\r\n.pcq .pcq-range-sep{font-family:'Philosopher',serif !important;font-size:13px !important;color:rgba(255,255,255,0.4) !important}\r\n.pcq .pcq-range-high{font-family:'Oswald',sans-serif !important;font-size:28px !important;font-weight:600 !important;color:#C9A84C !important}\r\n.pcq .pcq-range-period{font-family:'Philosopher',serif !important;font-size:12px !important;color:rgba(255,255,255,0.45) !important;display:block !important;text-align:right !important;margin-top:2px !important}\r\n.pcq .pcq-offset-badge{background:rgba(201,168,76,0.15) !important;border:1px solid rgba(201,168,76,0.3);border-radius:8px;padding:10px 12px;margin-bottom:1rem}\r\n.pcq .pcq-offset-badge p{font-family:'Philosopher',serif !important;font-size:12px !important;color:#000000 !important;margin:0 !important;line-height:1.6 !important}\r\n.pcq .pcq-offset-badge strong{font-family:'Syne',sans-serif !important;font-weight:700 !important;color:#C9A84C !important}\r\n\/* Disclaimer *\/\r\n.pcq .pcq-disclaimer{background:rgba(201,168,76,0.08) !important;border:1px solid rgba(201,168,76,0.2);border-radius:10px;padding:12px 14px;margin-bottom:1.25rem}\r\n.pcq .pcq-disclaimer p{font-family:'Philosopher',serif !important;font-size:12px !important;color:rgba(0,0,0,0.55) !important;line-height:1.65 !important;margin:0 !important;font-style:italic !important}\r\n\/* Thank you *\/\r\n.pcq .pcq-thankyou{text-align:center;padding:2rem 1rem}\r\n.pcq .pcq-ty-icon{width:64px;height:64px;background:#f0f2ff !important;border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 20px}\r\n.pcq .pcq-ty-icon svg{width:32px;height:32px}\r\n.pcq .pcq-thankyou h3{font-family:'Syne',sans-serif !important;font-size:22px !important;font-weight:700 !important;color:#000000 !important;margin-bottom:10px !important}\r\n.pcq .pcq-thankyou p{font-family:'Philosopher',serif !important;font-size:14px !important;color:#555 !important;line-height:1.75 !important;margin-bottom:6px !important}\r\n.pcq .pcq-thankyou .pcq-ref{font-family:'Syne',sans-serif !important;font-size:11px !important;font-weight:700 !important;color:#C9A84C !important;background:#f0f2ff !important;padding:4px 12px;border-radius:10px;display:inline-block;margin-top:8px}\r\n\/* Restart *\/\r\n.pcq .pcq-restart{text-align:center;margin-top:14px}\r\n.pcq .pcq-restart button{background:none !important;border:none !important;font-family:'Philosopher',serif !important;font-size:12px !important;color:rgba(0,0,0,0.4) !important;cursor:pointer;text-decoration:underline;padding:6px}\r\n@media(max-width:600px){\r\n  .pcq{padding:48px 16px !important}\r\n  .pcq h2{font-size:20px !important}\r\n  .pcq .pcq-intro{font-size:13px !important}\r\n  .pcq .pcq-card{padding:1.25rem 1rem !important}\r\n  .pcq .pcq-q-title{font-size:16px !important;line-height:1.3 !important}\r\n  .pcq .pcq-q-sub{font-size:12px !important}\r\n  .pcq .pcq-options.grid2{grid-template-columns:1fr 1fr !important}\r\n  .pcq .pcq-opt-main{font-size:12px !important}\r\n  .pcq .pcq-opt-sub{font-size:11px !important}\r\n  .pcq .pcq-field-row{grid-template-columns:1fr !important}\r\n  .pcq .pcq-result-box{padding:1rem !important}\r\n  .pcq .pcq-result-key{font-size:11px !important;max-width:50% !important}\r\n  .pcq .pcq-result-val{font-size:11px !important}\r\n  .pcq .pcq-range-low{font-size:18px !important}\r\n  .pcq .pcq-range-high{font-size:22px !important}\r\n  .pcq .pcq-amount-input{font-size:20px !important}\r\n  .pcq .pcq-block h3{font-size:14px !important}\r\n  .pcq .pcq-block p{font-size:13px !important}\r\n}\r\n<\/style>\r\n\r\n<div class=\"pcq\">\r\n  <div class=\"pcq-inner\">\r\n    <span class=\"pcq-label\">Lending guide & pre-qualifier<\/span>\r\n    <h2>Find your rate and pre-qualify<\/h2>\r\n    <p class=\"pcq-intro\">Answer a few questions to see an indicative repayment range and pre-qualify for a personal credit product. This is a guide only \u2014 your final loan amount, rate, and terms depend on your profile and are subject to full credit assessment and approval.<\/p>\r\n\r\n    <div class=\"pcq-card\">\r\n      <div class=\"pcq-prog-bar\"><div class=\"pcq-prog-fill\" id=\"pcqFill\" style=\"width:0%\"><\/div><\/div>\r\n      <span class=\"pcq-prog-label\" id=\"pcqPLabel\">Step 1 of 8<\/span>\r\n      <button class=\"pcq-back\" id=\"pcqBack\" onclick=\"pcqGoBack()\">&#8592; Back<\/button>\r\n\r\n      <!-- S1: POLICYHOLDER? -->\r\n      <div class=\"pcq-step active\" id=\"pcqs1\">\r\n        <span class=\"pcq-q-label\">About you<\/span>\r\n        <span class=\"pcq-q-title\">Do you have an active<br>Mutual Life Africa policy?<\/span>\r\n        <span class=\"pcq-q-sub\">Your policy status determines which credit products and rates are available to you.<\/span>\r\n        <div class=\"pcq-options\">\r\n          <button class=\"pcq-opt\" onclick=\"pcqSet('policyholder',true,this);document.getElementById('pcqN1').disabled=false\">\r\n            <div><span class=\"pcq-opt-main\">Yes \u2014 I have an active policy<\/span><span class=\"pcq-opt-sub\">Life Cover or Funeral Cover with Mutual Life Africa<\/span><\/div>\r\n            <div class=\"pcq-check\"><\/div>\r\n          <\/button>\r\n          <button class=\"pcq-opt\" onclick=\"pcqSet('policyholder',false,this);document.getElementById('pcqN1').disabled=false\">\r\n            <div><span class=\"pcq-opt-main\">No \u2014 I don't have a policy<\/span><span class=\"pcq-opt-sub\">I am applying as a new credit customer<\/span><\/div>\r\n            <div class=\"pcq-check\"><\/div>\r\n          <\/button>\r\n        <\/div>\r\n        <button class=\"pcq-next\" id=\"pcqN1\" disabled onclick=\"pcqStep1Next()\">Continue<\/button>\r\n      <\/div>\r\n\r\n      <!-- S2a: POLICY AGE (policyholders only) -->\r\n      <div class=\"pcq-step\" id=\"pcqs2a\">\r\n        <span class=\"pcq-q-label\">Your policy<\/span>\r\n        <span class=\"pcq-q-title\">How long has your policy<br>been active?<\/span>\r\n        <span class=\"pcq-q-sub\">Policy-backed loans require a minimum of 12 months of active, on-time premium payments.<\/span>\r\n        <div class=\"pcq-options\">\r\n          <button class=\"pcq-opt\" onclick=\"pcqSet('policyAge','under12',this);document.getElementById('pcqN2a').disabled=false\">\r\n            <div><span class=\"pcq-opt-main\">Under 12 months<\/span><span class=\"pcq-opt-sub\">My policy is less than a year old<\/span><\/div>\r\n            <div class=\"pcq-check\"><\/div>\r\n          <\/button>\r\n          <button class=\"pcq-opt\" onclick=\"pcqSet('policyAge','12to24',this);document.getElementById('pcqN2a').disabled=false\">\r\n            <div><span class=\"pcq-opt-main\">12 to 24 months<\/span><span class=\"pcq-opt-sub\">Between 1 and 2 years active<\/span><\/div>\r\n            <div class=\"pcq-check\"><\/div>\r\n          <\/button>\r\n          <button class=\"pcq-opt\" onclick=\"pcqSet('policyAge','over24',this);document.getElementById('pcqN2a').disabled=false\">\r\n            <div><span class=\"pcq-opt-main\">Over 24 months<\/span><span class=\"pcq-opt-sub\">More than 2 years active<\/span><\/div>\r\n            <div class=\"pcq-check\"><\/div>\r\n          <\/button>\r\n        <\/div>\r\n        <button class=\"pcq-next\" id=\"pcqN2a\" disabled onclick=\"pcqStep2aNext()\">Continue<\/button>\r\n      <\/div>\r\n\r\n      <!-- S2b: CREDIT HISTORY (non-policyholders only) -->\r\n      <div class=\"pcq-step\" id=\"pcqs2b\">\r\n        <span class=\"pcq-q-label\">Credit history<\/span>\r\n        <span class=\"pcq-q-title\">Which best describes<br>your credit history?<\/span>\r\n        <span class=\"pcq-q-sub\">We require a clean credit record. No blacklisting, defaults, or administration orders.<\/span>\r\n        <div class=\"pcq-options\">\r\n          <button class=\"pcq-opt\" onclick=\"pcqSet('creditStatus','clean',this);document.getElementById('pcqN2b').disabled=false\">\r\n            <div><span class=\"pcq-opt-main\">Clean \u2014 no defaults or judgements<\/span><span class=\"pcq-opt-sub\">Good standing, no blacklisting or administration orders<\/span><\/div>\r\n            <div class=\"pcq-check\"><\/div>\r\n          <\/button>\r\n          <button class=\"pcq-opt\" onclick=\"pcqSet('creditStatus','issues',this);document.getElementById('pcqN2b').disabled=false\">\r\n            <div><span class=\"pcq-opt-main\">I have had credit issues<\/span><span class=\"pcq-opt-sub\">Defaults, blacklisting, judgements, or administration orders<\/span><\/div>\r\n            <div class=\"pcq-check\"><\/div>\r\n          <\/button>\r\n        <\/div>\r\n        <button class=\"pcq-next\" id=\"pcqN2b\" disabled onclick=\"pcqStep2bNext()\">Continue<\/button>\r\n      <\/div>\r\n\r\n      <!-- S3: LOAN TYPE -->\r\n      <div class=\"pcq-step\" id=\"pcqs3\">\r\n        <span class=\"pcq-q-label\">Loan type<\/span>\r\n        <span class=\"pcq-q-title\">What type of loan<br>are you looking for?<\/span>\r\n        <span class=\"pcq-q-sub\">Select the product that best fits your need.<\/span>\r\n        <div class=\"pcq-options\" id=\"pcqLoanOpts\"><\/div>\r\n        <button class=\"pcq-next\" id=\"pcqN3\" disabled onclick=\"pcqStep3Next()\">Continue<\/button>\r\n      <\/div>\r\n\r\n      <!-- S4: LOAN-SPECIFIC GATE -->\r\n      <div class=\"pcq-step\" id=\"pcqs4\">\r\n        <span class=\"pcq-q-label\" id=\"pcqGateLabel\">Eligibility check<\/span>\r\n        <span class=\"pcq-q-title\" id=\"pcqGateTitle\">One quick question<\/span>\r\n        <span class=\"pcq-q-sub\" id=\"pcqGateSub\"><\/span>\r\n        <div class=\"pcq-options\" id=\"pcqGateOpts\"><\/div>\r\n        <button class=\"pcq-next\" id=\"pcqN4\" disabled onclick=\"pcqStep4Next()\">Continue<\/button>\r\n      <\/div>\r\n\r\n      <!-- S5: CURRENCY -->\r\n      <div class=\"pcq-step\" id=\"pcqs5\">\r\n        <span class=\"pcq-q-label\">Currency<\/span>\r\n        <span class=\"pcq-q-title\">Which currency<br>do you earn in?<\/span>\r\n        <span class=\"pcq-q-sub\">Your loan will be issued in your selected currency. Local African market equivalents apply.<\/span>\r\n        <div class=\"pcq-options grid2\">\r\n          <button class=\"pcq-opt\" onclick=\"pcqPickCurrency('USD','$',this)\"><div><span class=\"pcq-opt-main\">USD $<\/span><\/div><div class=\"pcq-check\"><\/div><\/button>\r\n          <button class=\"pcq-opt\" onclick=\"pcqPickCurrency('GBP','\u00a3',this)\"><div><span class=\"pcq-opt-main\">GBP \u00a3<\/span><\/div><div class=\"pcq-check\"><\/div><\/button>\r\n          <button class=\"pcq-opt\" onclick=\"pcqPickCurrency('EUR','\u20ac',this)\"><div><span class=\"pcq-opt-main\">EUR \u20ac<\/span><\/div><div class=\"pcq-check\"><\/div><\/button>\r\n          <button class=\"pcq-opt\" onclick=\"pcqPickCurrency('ZAR','R',this)\"><div><span class=\"pcq-opt-main\">ZAR R<\/span><\/div><div class=\"pcq-check\"><\/div><\/button>\r\n        <\/div>\r\n        <button class=\"pcq-next\" id=\"pcqN5\" disabled onclick=\"pcqNext('pcqs6')\">Continue<\/button>\r\n      <\/div>\r\n\r\n      <!-- S6: AMOUNT -->\r\n      <div class=\"pcq-step\" id=\"pcqs6\">\r\n        <span class=\"pcq-q-label\">Loan amount<\/span>\r\n        <span class=\"pcq-q-title\">How much<br>do you need?<\/span>\r\n        <span class=\"pcq-q-sub\" id=\"pcqAmtSub\">Enter a loan amount within the product limits.<\/span>\r\n        <div class=\"pcq-input-wrap\">\r\n          <span class=\"pcq-currency-tag\" id=\"pcqCurrTag\">$<\/span>\r\n          <input class=\"pcq-amount-input\" type=\"number\" id=\"pcqAmtInput\" placeholder=\"0\" min=\"1\" oninput=\"pcqAmtChange(this)\">\r\n        <\/div>\r\n        <span class=\"pcq-amount-hint\" id=\"pcqAmtHint\">Maximum: $1,000<\/span>\r\n        <button class=\"pcq-next\" id=\"pcqN6\" disabled onclick=\"pcqCalc()\">Calculate repayments<\/button>\r\n      <\/div>\r\n\r\n      <!-- S7: RESULT + FORM -->\r\n      <div class=\"pcq-step\" id=\"pcqs7\">\r\n        <span class=\"pcq-q-label\">Your indicative quote<\/span>\r\n        <span class=\"pcq-q-title\" id=\"pcqResTitle\">Estimated monthly repayment<\/span>\r\n        <span class=\"pcq-q-sub\">Based on your selections. Actual rate and terms depend on your full credit profile.<\/span>\r\n        <div class=\"pcq-result-box\" id=\"pcqResBox\"><\/div>\r\n        <div id=\"pcqOffsetBadge\" style=\"display:none\" class=\"pcq-offset-badge\"><p>As a qualifying policyholder, up to <strong>50% of your loan<\/strong> may be offset using your policy's cash value \u2014 reducing your outstanding balance and monthly repayments. This will be assessed during your credit review.<\/p><\/div>\r\n        <div class=\"pcq-disclaimer\"><p>This is a lending guide only. Figures are indicative based on best-case to standard-rate APR. Additional fees apply including administration fees, credit life insurance, and service charges. Final loan amount, rate, and terms are subject to full credit assessment and approval. Mutual Life Africa reserves the right to decline any application.<\/p><\/div>\r\n\r\n        <!-- PRE-QUALIFIER FORM -->\r\n        <span class=\"pcq-q-label\" style=\"margin-top:1.5rem\">Pre-qualification<\/span>\r\n        <span class=\"pcq-q-title\" style=\"font-size:17px !important;margin-bottom:0.4rem\">Submit your details<\/span>\r\n        <span class=\"pcq-q-sub\">Complete the form below and our credit team will be in touch to guide you through the next steps.<\/span>\r\n        <div class=\"pcq-field-group\">\r\n          <div class=\"pcq-field-row\">\r\n            <div class=\"pcq-field\"><label>First name<\/label><input type=\"text\" id=\"fqFirst\" placeholder=\"e.g. Thomas\" oninput=\"pcqCheckForm()\"><\/div>\r\n            <div class=\"pcq-field\"><label>Last name<\/label><input type=\"text\" id=\"fqLast\" placeholder=\"e.g. Phyrone\" oninput=\"pcqCheckForm()\"><\/div>\r\n          <\/div>\r\n          <div class=\"pcq-field\"><label>Email address<\/label><input type=\"email\" id=\"fqEmail\" placeholder=\"your@email.com\" oninput=\"pcqCheckForm()\"><\/div>\r\n          <div class=\"pcq-field\"><label>Phone number<\/label><input type=\"tel\" id=\"fqPhone\" placeholder=\"+1 555 000 0000\" oninput=\"pcqCheckForm()\"><\/div>\r\n          <div class=\"pcq-field\"><label>Country of residence<\/label><input type=\"text\" id=\"fqCountry\" placeholder=\"e.g. United Kingdom\" oninput=\"pcqCheckForm()\"><\/div>\r\n          <div class=\"pcq-field\"><label>ID or passport number<\/label><input type=\"text\" id=\"fqId\" placeholder=\"Government-issued ID or passport number\" oninput=\"pcqCheckForm()\"><\/div>\r\n          <div class=\"pcq-field\"><label>Residential address<\/label><input type=\"text\" id=\"fqAddress\" placeholder=\"Full residential address\" oninput=\"pcqCheckForm()\"><\/div>\r\n        <\/div>\r\n        <button class=\"pcq-submit\" id=\"pcqSubmitBtn\" disabled onclick=\"pcqSubmit()\">Submit pre-qualification<\/button>\r\n      <\/div>\r\n\r\n      <!-- S8: THANK YOU -->\r\n      <div class=\"pcq-step\" id=\"pcqs8\">\r\n        <div class=\"pcq-thankyou\">\r\n          <div class=\"pcq-ty-icon\"><svg viewBox=\"0 0 32 32\" fill=\"none\"><circle cx=\"16\" cy=\"16\" r=\"12\" stroke=\"#1A237E\" stroke-width=\"1.8\"\/><path d=\"M10 16l4 4 8-8\" stroke=\"#C9A84C\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\r\n          <h3>Application received<\/h3>\r\n          <p>Thank you \u2014 we'll be in touch shortly to guide you through the next steps of your credit application.<\/p>\r\n          <p style=\"font-size:13px !important;color:rgba(0,0,0,0.45) !important\">Our credit team typically responds within 1\u20132 business days. Please check your inbox including your spam folder.<\/p>\r\n          <span class=\"pcq-ref\" id=\"pcqRefNum\"><\/span>\r\n        <\/div>\r\n        <div class=\"pcq-restart\"><button onclick=\"pcqRestart()\">Start a new application<\/button><\/div>\r\n      <\/div>\r\n\r\n      <!-- BLOCKED -->\r\n      <div class=\"pcq-step\" id=\"pcqsBlock\">\r\n        <div class=\"pcq-block\" id=\"pcqBlockBox\">\r\n          <div class=\"pcq-block-icon\"><svg viewBox=\"0 0 22 22\" fill=\"none\"><circle cx=\"11\" cy=\"11\" r=\"8\" stroke=\"#C9A84C\" stroke-width=\"1.5\"\/><path d=\"M11 7v5M11 15v.5\" stroke=\"#C9A84C\" stroke-width=\"1.8\" stroke-linecap=\"round\"\/><\/svg><\/div>\r\n          <h3 id=\"pcqBlockTitle\">Unable to proceed<\/h3>\r\n          <p id=\"pcqBlockMsg\">You do not currently meet the eligibility requirements for this product.<\/p>\r\n        <\/div>\r\n        <div class=\"pcq-restart\"><button onclick=\"pcqRestart()\">Start over<\/button><\/div>\r\n      <\/div>\r\n\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\r\n\r\n<script>\r\n(function(){\r\nvar TOTAL_STEPS = 8;\r\nvar state = {};\r\nvar history = [];\r\nvar current = 'pcqs1';\r\n\r\nvar MAXIMA = {\r\n  micro:  {USD:1000,  GBP:1000,  EUR:1000,  ZAR:8000},\r\n  short:  {USD:10000, GBP:10000, EUR:10000, ZAR:50000},\r\n  car:    {USD:50000, GBP:50000, EUR:50000, ZAR:500000},\r\n  home:   {USD:500000,GBP:500000,EUR:500000,ZAR:1500000}\r\n};\r\nvar LOAN_DEFS = {\r\n  micro:  {label:'Micro Loan',      aprLow:15, aprHigh:24, term:{USD:1,GBP:1,EUR:1,ZAR:1}},\r\n  short:  {label:'Short-Term Loan', aprLow:13, aprHigh:20, term:{USD:6,GBP:6,EUR:6,ZAR:6}},\r\n  car:    {label:'Car Loan',        aprLow:10, aprHigh:16, term:{USD:60,GBP:60,EUR:60,ZAR:36}},\r\n  home:   {label:'Home Loan',       aprLow:9,  aprHigh:14, term:{USD:240,GBP:240,EUR:240,ZAR:240}}\r\n};\r\n\r\n\/* \u2500\u2500 NAVIGATION \u2500\u2500 *\/\r\nfunction show(id){\r\n  document.querySelectorAll('.pcq-step').forEach(function(s){s.classList.remove('active')});\r\n  document.getElementById(id).classList.add('active');\r\n  current = id;\r\n  updateProg();\r\n  updateBack();\r\n  var card = document.querySelector('.pcq-card');\r\n  if(card) setTimeout(function(){card.scrollIntoView({behavior:'smooth',block:'start'});},80);\r\n}\r\nfunction push(id){history.push(current);show(id);}\r\nwindow.pcqNext = function(id){push(id);};\r\nwindow.pcqGoBack = function(){if(!history.length)return;var prev=history.pop();show(prev);};\r\n\r\nfunction updateProg(){\r\n  var map={pcqs1:1,pcqs2a:2,pcqs2b:2,pcqs3:3,pcqs4:4,pcqs5:5,pcqs6:6,pcqs7:7,pcqs8:8,pcqsBlock:0};\r\n  var step = map[current]||1;\r\n  document.getElementById('pcqFill').style.width = step>0 ? Math.round((step\/TOTAL_STEPS)*100)+'%' : document.getElementById('pcqFill').style.width;\r\n  document.getElementById('pcqPLabel').textContent = step>0 ? 'Step '+step+' of '+TOTAL_STEPS : 'Not eligible';\r\n}\r\nfunction updateBack(){\r\n  var btn = document.getElementById('pcqBack');\r\n  btn.className = history.length>0 ? 'pcq-back show' : 'pcq-back';\r\n}\r\n\r\n\/* \u2500\u2500 SET STATE \u2500\u2500 *\/\r\nwindow.pcqSet = function(key,val,btn){\r\n  state[key] = val;\r\n  var parent = btn.closest('.pcq-options');\r\n  if(parent) parent.querySelectorAll('.pcq-opt').forEach(function(b){b.classList.remove('selected')});\r\n  btn.classList.add('selected');\r\n};\r\n\r\n\/* \u2500\u2500 BLOCK \u2500\u2500 *\/\r\nfunction block(title, msg, altStyle){\r\n  document.getElementById('pcqBlockTitle').textContent = title;\r\n  document.getElementById('pcqBlockMsg').textContent = msg;\r\n  var box = document.getElementById('pcqBlockBox');\r\n  box.className = altStyle ? 'pcq-block pcq-block-alt' : 'pcq-block';\r\n  push('pcqsBlock');\r\n}\r\n\r\n\/* \u2500\u2500 STEP LOGIC \u2500\u2500 *\/\r\nwindow.pcqStep1Next = function(){\r\n  if(state.policyholder) push('pcqs2a');\r\n  else push('pcqs2b');\r\n};\r\n\r\nwindow.pcqStep2aNext = function(){\r\n  if(state.policyAge === 'under12'){\r\n    block(\r\n      'Policy too new',\r\n      'Your policy must be active for a minimum of 12 months with on-time premium payments before you can apply for a policy-backed loan. Keep your policy active and return once you reach the 12-month mark.'\r\n    );\r\n  } else {\r\n    buildLoanOptions();\r\n    push('pcqs3');\r\n  }\r\n};\r\n\r\nwindow.pcqStep2bNext = function(){\r\n  if(state.creditStatus === 'issues'){\r\n    block(\r\n      'Credit requirements not met',\r\n      'Mutual Life Africa personal credit requires a clean credit record with no blacklisting, defaults, judgements, or administration orders. We are unable to proceed with your application at this time. You may wish to consider applying for a Mutual Life Africa insurance policy \u2014 consistent premium payments build your credit standing with us over time.'\r\n    );\r\n  } else {\r\n    buildLoanOptions();\r\n    push('pcqs3');\r\n  }\r\n};\r\n\r\nfunction buildLoanOptions(){\r\n  var container = document.getElementById('pcqLoanOpts');\r\n  container.innerHTML = '';\r\n  state.loanType = null;\r\n  document.getElementById('pcqN3').disabled = true;\r\n  var loans = [\r\n    {key:'micro', label:'Micro Loan',      sub:'30 days \u00b7 Up to $1,000 \/ R8,000'},\r\n    {key:'short', label:'Short-Term Loan', sub:'30 days \u2013 6 months \u00b7 Up to $10,000 \/ R50,000'},\r\n    {key:'car',   label:'Car Loan',        sub:'New and used vehicles \u00b7 Up to $50,000 \/ R500,000'},\r\n    {key:'home',  label:'Home Loan',       sub:'Purchase only \u00b7 Up to $500,000 \/ R1,500,000'}\r\n  ];\r\n  loans.forEach(function(l){\r\n    var btn = document.createElement('button');\r\n    btn.className = 'pcq-opt';\r\n    btn.innerHTML = '<div><span class=\"pcq-opt-main\">'+l.label+'<\/span><span class=\"pcq-opt-sub\">'+l.sub+'<\/span><\/div><div class=\"pcq-check\"><\/div>';\r\n    btn.onclick = function(){\r\n      state.loanType = l.key;\r\n      container.querySelectorAll('.pcq-opt').forEach(function(b){b.classList.remove('selected')});\r\n      btn.classList.add('selected');\r\n      document.getElementById('pcqN3').disabled = false;\r\n    };\r\n    container.appendChild(btn);\r\n  });\r\n}\r\n\r\nwindow.pcqStep3Next = function(){\r\n  \/\/ Build gate question based on loan type\r\n  var gt = document.getElementById('pcqGateTitle');\r\n  var gs = document.getElementById('pcqGateSub');\r\n  var go = document.getElementById('pcqGateOpts');\r\n  var gl = document.getElementById('pcqGateLabel');\r\n  go.innerHTML = '';\r\n  state.gatePass = null;\r\n  document.getElementById('pcqN4').disabled = true;\r\n\r\n  if(state.loanType === 'car'){\r\n    gl.textContent = 'Vehicle eligibility';\r\n    gt.textContent = 'Is the vehicle from a registered dealership and 5 years old or newer?';\r\n    gs.textContent = 'Both conditions must be met. Private sales, auctions, and vehicles older than 5 years do not qualify.';\r\n    addGateOpts(go, [\r\n      {val:true,  label:'Yes \u2014 dealership vehicle, 5 years or newer'},\r\n      {val:false, label:'No \u2014 private sale, auction, or older vehicle'}\r\n    ]);\r\n  } else if(state.loanType === 'home'){\r\n    gl.textContent = 'Property eligibility';\r\n    gt.textContent = 'Is the property a standalone, fully titled property in an approved urban area?';\r\n    gs.textContent = 'The property must have its own title deed, be independently standing, and not located in a rural area.';\r\n    addGateOpts(go, [\r\n      {val:true,  label:'Yes \u2014 standalone, titled, urban or semi-urban'},\r\n      {val:false, label:'No \u2014 rural, shared, or without full title deed'}\r\n    ]);\r\n  } else if(state.loanType === 'home' && !state.policyholder){\r\n    \/\/ Non-policyholder home loan needs 700+ score acknowledgement \u2014 handled via creditStatus already\r\n    push('pcqs5'); return;\r\n  } else {\r\n    \/\/ Micro and short-term \u2014 no additional gate, go straight to currency\r\n    push('pcqs5'); return;\r\n  }\r\n  push('pcqs4');\r\n};\r\n\r\nfunction addGateOpts(container, opts){\r\n  opts.forEach(function(o){\r\n    var btn = document.createElement('button');\r\n    btn.className = 'pcq-opt';\r\n    btn.innerHTML = '<div><span class=\"pcq-opt-main\">'+o.label+'<\/span><\/div><div class=\"pcq-check\"><\/div>';\r\n    btn.onclick = function(){\r\n      state.gatePass = o.val;\r\n      container.querySelectorAll('.pcq-opt').forEach(function(b){b.classList.remove('selected')});\r\n      btn.classList.add('selected');\r\n      document.getElementById('pcqN4').disabled = false;\r\n    };\r\n    container.appendChild(btn);\r\n  });\r\n}\r\n\r\nwindow.pcqStep4Next = function(){\r\n  if(!state.gatePass){\r\n    if(state.loanType === 'car'){\r\n      block('Vehicle does not qualify','Only new or used vehicles that are 5 years old or newer, accident-free, and purchased from a registered dealership are eligible for vehicle finance.');\r\n    } else if(state.loanType === 'home'){\r\n      block('Property does not qualify','Home loans are available for standalone, fully titled residential properties in approved urban or semi-urban areas only. Rural properties and properties without independent title do not qualify.');\r\n    }\r\n  } else {\r\n    push('pcqs5');\r\n  }\r\n};\r\n\r\nwindow.pcqPickCurrency = function(cur,sym,btn){\r\n  state.currency = cur; state.currSymbol = sym;\r\n  btn.closest('.pcq-options').querySelectorAll('.pcq-opt').forEach(function(b){b.classList.remove('selected')});\r\n  btn.classList.add('selected');\r\n  document.getElementById('pcqN5').disabled = false;\r\n  var maxAmt = MAXIMA[state.loanType][cur];\r\n  document.getElementById('pcqCurrTag').textContent = sym;\r\n  document.getElementById('pcqAmtHint').textContent = 'Maximum: '+sym+maxAmt.toLocaleString();\r\n  document.getElementById('pcqAmtInput').max = maxAmt;\r\n  document.getElementById('pcqAmtInput').value = '';\r\n  document.getElementById('pcqN6').disabled = true;\r\n};\r\n\r\nwindow.pcqAmtChange = function(el){\r\n  var val = parseFloat(el.value);\r\n  var maxAmt = state.currency ? MAXIMA[state.loanType][state.currency] : 999999;\r\n  if(val > 0 && val <= maxAmt){ state.amount = val; document.getElementById('pcqN6').disabled = false; }\r\n  else { state.amount = null; document.getElementById('pcqN6').disabled = true; }\r\n};\r\n\r\nwindow.pcqCalc = function(){\r\n  var P = state.amount;\r\n  var sym = state.currSymbol;\r\n  var def = LOAN_DEFS[state.loanType];\r\n  var n = def.term[state.currency];\r\n  var rLow = def.aprLow\/100\/12;\r\n  var rHigh = def.aprHigh\/100\/12;\r\n  function monthly(p,r,mo){ if(mo===1) return p*(1+r); return p*r*Math.pow(1+r,mo)\/(Math.pow(1+r,mo)-1); }\r\n  var mLow = monthly(P,rLow,n);\r\n  var mHigh = monthly(P,rHigh,n);\r\n  var fmt = function(v){return sym+Math.round(v).toLocaleString();};\r\n  var termLabel = n===1?'1 month':n<12?n+' months':Math.round(n\/12)+' year'+(n\/12>1?'s':'');\r\n\r\n  document.getElementById('pcqResBox').innerHTML =\r\n    '<div class=\"pcq-result-row\"><span class=\"pcq-result-key\">Loan product<\/span><span class=\"pcq-result-val\">'+def.label+'<\/span><\/div>'+\r\n    '<div class=\"pcq-result-row\"><span class=\"pcq-result-key\">Applicant type<\/span><span class=\"pcq-result-val\">'+(state.policyholder?'Policyholder':'Standard applicant')+'<\/span><\/div>'+\r\n    '<div class=\"pcq-result-row\"><span class=\"pcq-result-key\">Loan amount<\/span><span class=\"pcq-result-val\">'+fmt(P)+'<\/span><\/div>'+\r\n    '<div class=\"pcq-result-row\"><span class=\"pcq-result-key\">Currency<\/span><span class=\"pcq-result-val\">'+state.currency+'<\/span><\/div>'+\r\n    '<div class=\"pcq-result-row\"><span class=\"pcq-result-key\">Indicative term<\/span><span class=\"pcq-result-val\">'+termLabel+'<\/span><\/div>'+\r\n    '<div class=\"pcq-result-row\"><span class=\"pcq-result-key\">APR range<\/span><span class=\"pcq-result-val\">'+def.aprLow+'% \u2013 '+def.aprHigh+'% p.a.<\/span><\/div>'+\r\n    '<div class=\"pcq-result-row\"><span class=\"pcq-result-key\">Total repayment range<\/span><span class=\"pcq-result-val\">'+fmt(mLow*n)+' \u2013 '+fmt(mHigh*n)+'<\/span><\/div>'+\r\n    '<div class=\"pcq-result-row\"><div style=\"flex:1\"><span class=\"pcq-result-range-label\">Estimated monthly repayment<\/span><div class=\"pcq-range-vals\"><span class=\"pcq-range-low\">'+fmt(mLow)+'<\/span><span class=\"pcq-range-sep\">to<\/span><span class=\"pcq-range-high\">'+fmt(mHigh)+'<\/span><\/div><span class=\"pcq-range-period\">per month \u00b7 indicative only<\/span><\/div><\/div>';\r\n\r\n  \/\/ Show cash value badge for qualifying policyholders (12+ months)\r\n  var badge = document.getElementById('pcqOffsetBadge');\r\n  badge.style.display = (state.policyholder && state.policyAge !== 'under12') ? 'block' : 'none';\r\n\r\n  push('pcqs7');\r\n};\r\n\r\n\/* \u2500\u2500 FORM \u2500\u2500 *\/\r\nwindow.pcqCheckForm = function(){\r\n  var fields = ['fqFirst','fqLast','fqEmail','fqPhone','fqCountry','fqId','fqAddress'];\r\n  var allFilled = fields.every(function(id){return document.getElementById(id).value.trim()!=='';});\r\n  document.getElementById('pcqSubmitBtn').disabled = !allFilled;\r\n};\r\n\r\nwindow.pcqSubmit = function(){\r\n  \/\/ Generate reference number\r\n  var ref = 'MLA-CR-'+Date.now().toString(36).toUpperCase().slice(-6);\r\n  document.getElementById('pcqRefNum').textContent = 'Reference: '+ref;\r\n  push('pcqs8');\r\n};\r\n\r\n\/* \u2500\u2500 RESTART \u2500\u2500 *\/\r\nwindow.pcqRestart = function(){\r\n  state = {}; history = [];\r\n  ['pcqN1','pcqN2a','pcqN2b','pcqN3','pcqN4','pcqN5','pcqN6'].forEach(function(id){\r\n    var el = document.getElementById(id);\r\n    if(el) el.disabled = true;\r\n  });\r\n  document.querySelectorAll('.pcq-opt').forEach(function(b){b.classList.remove('selected')});\r\n  document.getElementById('pcqAmtInput').value = '';\r\n  document.getElementById('pcqSubmitBtn').disabled = true;\r\n  ['fqFirst','fqLast','fqEmail','fqPhone','fqCountry','fqId','fqAddress'].forEach(function(id){\r\n    var el = document.getElementById(id); if(el) el.value = '';\r\n  });\r\n  show('pcqs1');\r\n};\r\n\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c85ab4d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"c85ab4d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39580cc elementor-widget elementor-widget-html\" data-id=\"39580cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@600;700&family=Philosopher:ital,wght@0,400;0,700;1,400&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n.pcf *{box-sizing:border-box;margin:0;padding:0;word-break:break-word;overflow-wrap:break-word}\r\n.pcf{background:#ffffff !important;padding:96px 40px;width:100%;overflow:hidden}\r\n.pcf-inner{max-width:960px;margin:0 auto;width:100%}\r\n.pcf .pcf-label{font-family:'Syne',sans-serif !important;font-size:11px !important;font-weight:700 !important;text-transform:uppercase !important;letter-spacing:0.1em !important;color:#C9A84C !important;margin-bottom:14px !important;display:block !important}\r\n.pcf h2{font-family:'Syne',sans-serif !important;font-size:34px !important;font-weight:700 !important;color:#000000 !important;line-height:1.2 !important;margin-bottom:10px !important}\r\n.pcf .pcf-sub{font-family:'Philosopher',serif !important;font-size:15px !important;color:#555 !important;line-height:1.75 !important;margin-bottom:56px !important;max-width:560px}\r\n\/* Grid \u2014 single column always on mobile *\/\r\n.pcf .pcf-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;width:100%}\r\n\/* Category label *\/\r\n.pcf .pcf-cat-label{font-family:'Syne',sans-serif !important;font-size:11px !important;font-weight:700 !important;text-transform:uppercase !important;letter-spacing:0.08em !important;color:#1A237E !important;margin-bottom:18px !important;display:block !important;padding-bottom:10px !important;border-bottom:2px solid rgba(26,35,126,0.12) !important}\r\n\/* Accordion *\/\r\n.pcf .pcf-item{border-bottom:1px solid rgba(0,0,0,0.08);width:100%;overflow:hidden}\r\n.pcf .pcf-item:last-child{border-bottom:none}\r\n.pcf .pcf-q{width:100%;max-width:100%;background:none !important;border:none !important;padding:15px 0 !important;text-align:left !important;display:flex !important;align-items:flex-start !important;justify-content:space-between !important;gap:10px !important;cursor:pointer !important;-webkit-tap-highlight-color:transparent;overflow:hidden}\r\n.pcf .pcf-q-text{font-family:'Syne',sans-serif !important;font-size:13px !important;font-weight:700 !important;color:#000000 !important;line-height:1.5 !important;flex:1 !important;min-width:0 !important;word-break:break-word !important;overflow-wrap:break-word !important}\r\n.pcf .pcf-icon{width:20px;height:20px;min-width:20px;max-width:20px;border-radius:50%;border:1.5px solid rgba(201,168,76,0.4);display:flex;align-items:center;justify-content:center;transition:all 0.2s;flex-shrink:0;margin-top:2px}\r\n.pcf .pcf-item.open .pcf-icon{background:#C9A84C !important;border-color:#C9A84C;transform:rotate(45deg)}\r\n.pcf .pcf-icon svg{width:10px;height:10px}\r\n.pcf .pcf-a{display:none;padding:0 0 14px;font-family:'Philosopher',serif !important;font-size:13px !important;color:#333 !important;line-height:1.75 !important;word-break:break-word !important;overflow-wrap:break-word !important}\r\n.pcf .pcf-item.open .pcf-a{display:block}\r\n.pcf .pcf-a strong{font-family:'Syne',sans-serif !important;font-weight:700 !important;color:#000000 !important}\r\n\/* Spacing between category sections *\/\r\n.pcf .pcf-section-gap{margin-top:32px}\r\n\/* Tablet *\/\r\n@media(max-width:900px){\r\n  .pcf .pcf-grid{grid-template-columns:1fr !important;gap:0 !important}\r\n  .pcf .pcf-grid > div + div{margin-top:12px}\r\n}\r\n\/* Mobile *\/\r\n@media(max-width:600px){\r\n  .pcf{padding:48px 16px !important}\r\n  .pcf h2{font-size:22px !important}\r\n  .pcf .pcf-sub{font-size:14px !important;margin-bottom:28px !important}\r\n  .pcf .pcf-cat-label{font-size:10px !important;letter-spacing:0.06em !important}\r\n  .pcf .pcf-q-text{font-size:12px !important;line-height:1.5 !important}\r\n  .pcf .pcf-a{font-size:12px !important;line-height:1.7 !important}\r\n}\r\n<\/style>\r\n\r\n<div class=\"pcf\">\r\n  <div class=\"pcf-inner\">\r\n    <span class=\"pcf-label\">FAQs<\/span>\r\n    <h2>Frequently asked questions<\/h2>\r\n    <p class=\"pcf-sub\">Detailed answers split by topic so you can find what you need quickly.<\/p>\r\n\r\n    <div class=\"pcf-grid\">\r\n\r\n      <!-- LEFT COLUMN -->\r\n      <div>\r\n\r\n        <div class=\"pcf-cat-label\">Eligibility &amp; Applications<\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">Do I need a policy to apply<br>for a personal loan?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">Not for all products. Micro and short-term loans are available to qualifying applicants without a policy, provided they have a clean credit history and can demonstrate affordability. However, <strong>policy-backed loans require an active policy<\/strong> in force for a minimum of 12 months with no arrears. Policyholders also benefit from faster approvals and the cash value offset feature.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">What credit check is done<br>when I apply?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">For policy-backed loans, the credit check is conducted <strong>purely to assess repayment affordability<\/strong> \u2014 not to determine eligibility based on external bureau scores. For standard open-applicant loans, a full credit assessment including external credit history is conducted.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">Can my application be declined<br>even with a qualifying policy?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">Yes. Mutual Life Africa reserves the right to decline any loan application at its discretion, including policy-backed applications. Having a qualifying policy improves your eligibility and terms, but does not guarantee approval.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">How long does approval take?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">Policy-backed micro and short-term loan decisions are typically returned within <strong>24 to 48 hours<\/strong> of a complete application. Car and home loan applications may take 3 to 7 business days due to additional asset verification.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-cat-label pcf-section-gap\">Micro &amp; Short-Term Loans<\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">Micro loan vs short-term loan \u2014<br>what's the difference?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">A <strong>micro loan<\/strong> is a 30-day loan, maximum $1,000 \/ R8,000 \u2014 repaid in a single payment. A <strong>short-term loan<\/strong> runs 30 days to 6 months, maximum $10,000 \/ R50,000, repaid in monthly instalments. Both require a policy active for at least 12 months.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">Are micro loans repaid in one<br>payment or monthly?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">Micro loans are 30-day loans repaid in a <strong>single payment<\/strong> at the end of the term, inclusive of interest and applicable fees.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">Can I extend a micro loan<br>if I cannot repay on time?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">Extensions are not automatically available and must be requested before the due date. Approval is at Mutual Life Africa's discretion. Failure to repay on time results in late payment charges and a negative impact on your credit score. Contact credit@mutuallifeafrica.com immediately if you anticipate difficulty.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-cat-label pcf-section-gap\">Cash Value &amp; Policy Offset<\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">Does using cash value affect<br>my insurance cover?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">Yes. When cash value is applied against a loan, <strong>the policy's sum assured reduces by the amount used<\/strong>. For example, a $500,000 policy with $50,000 cash value applied reduces to $450,000. The policy remains active and your premium is recalculated on the reduced amount.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">How is my cash value calculated?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">Cash value is assessed by Mutual Life Africa based on your policy's tenure, payment history, cover amount, and internal actuarial calculations. It must be assessed by our credit team at the time of application \u2014 you cannot calculate it yourself.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">Can I use more than 50% of<br>my cash value against the loan?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">No. The maximum cash value offset is <strong>50% of the total loan amount<\/strong>, regardless of how much your policy has accumulated. The remaining 50% must be repaid through monthly instalments.<\/div>\r\n        <\/div>\r\n\r\n      <\/div>\r\n\r\n      <!-- RIGHT COLUMN -->\r\n      <div>\r\n\r\n        <div class=\"pcf-cat-label\">Car Loans<\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">What vehicles qualify<br>for a car loan?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">Vehicles must be <strong>5 years old or newer<\/strong>, <strong>accident-free<\/strong>, and purchased from a <strong>registered dealership<\/strong> \u2014 not a private seller, auction, or informal market. Both new and used vehicles are eligible. The vehicle remains Mutual Life Africa's property until the loan is fully repaid.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">Why does Mutual Life Africa retain<br>ownership of the vehicle?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">This is standard vehicle finance. The vehicle serves as security \u2014 Mutual Life Africa holds title until the loan is settled. <strong>Ownership transfers to you in full<\/strong> once the final payment is made.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">What does the included vehicle<br>insurance cover?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">In-house vehicle insurance is included in your monthly repayment for the duration of the loan. It covers the vehicle as the securing asset. Full coverage terms will be provided in your loan agreement.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">Is a deposit required<br>for a car loan?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">Deposit requirements are determined per application based on your credit profile and loan-to-value ratio. Policy-backed applicants using cash value offset may apply part of their cash value as an effective deposit contribution.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-cat-label pcf-section-gap\">Home Loans<\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">What type of property qualifies<br>for a home loan?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">The property must be a <strong>standalone, independently titled residential property<\/strong> with its own title deed \u2014 not a cottage, room, or portion of another property. It must be in an <strong>approved urban or semi-urban area<\/strong>. Rural properties do not qualify. High-density urban areas are considered case by case.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">Can I use a home loan to<br>renovate or refinance?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">No. <strong>Personal home loans are for property purchase only.<\/strong> Renovation finance, refinancing, equity release, and construction are not available under personal credit. These fall under our Business Credit products.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">What documents are needed<br>for a home loan?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">Typically required: <strong>full title deed<\/strong> of the property being purchased; 3 months proof of income; 3 months bank statements; valid government-issued ID or passport; proof of residence; sale agreement or offer to purchase. Additional documents may be requested.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-cat-label pcf-section-gap\">Rates, Fees &amp; Repayments<\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">Are the rates shown the<br>final rates I will pay?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">No. <strong>All rates shown are indicative APR ranges only.<\/strong> Your actual rate is confirmed after a full credit assessment and depends on your profile, loan amount, and term. Additional charges including administration fees, credit life insurance, and service fees will apply and are fully disclosed in your loan agreement.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">What additional fees apply<br>beyond the interest rate?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">Additional charges may include: <strong>initiation or administration fee<\/strong> at drawdown; <strong>monthly service fee<\/strong> per instalment; <strong>credit life insurance<\/strong> covering the outstanding balance; and for car loans, <strong>vehicle insurance<\/strong> included in the monthly repayment. All fees are disclosed before signing.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">Can I settle my loan early?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">Yes. Early settlement is permitted on all personal credit products. An early settlement figure will be provided on request. Settling early reduces total interest paid and positively impacts your internal credit score.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pcf-item\">\r\n          <button class=\"pcf-q\" onclick=\"pcfToggle(this)\">\r\n            <span class=\"pcf-q-text\">What happens if I miss<br>a repayment?<\/span>\r\n            <span class=\"pcf-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 2v6M2 5h6\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span>\r\n          <\/button>\r\n          <div class=\"pcf-a\">Missing a repayment triggers late payment charges and a negative impact on your internal credit score. Persistent missed payments may result in collections proceedings. For secured loans, this may lead to repossession. Contact credit@mutuallifeafrica.com immediately if you anticipate difficulty.<\/div>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\r\n\r\n<script>\r\nfunction pcfToggle(btn){\r\n  var item=btn.closest('.pcf-item');\r\n  var wasOpen=item.classList.contains('open');\r\n  document.querySelectorAll('.pcf-item.open').forEach(function(i){i.classList.remove('open')});\r\n  if(!wasOpen) item.classList.add('open');\r\n}\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Personal Credit \u00b7 Mutual Life Africa Credit for individuals, built around your life Personal credit products for African expats, diaspora members, and individuals across Africa \u2014 from 30-day micro loans to structured home purchase financing. Policy-backed options available for policyholders. .pca *{box-sizing:border-box;margin:0;padding:0} .pca{background:#ffffff !important;padding:96px 40px} .pca-inner{max-width:960px;margin:0 auto} \/* About cols *\/ .pca .pca-cols{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start;margin-bottom:80px} .pca .pca-label{font-family:&#8217;Syne&#8217;,sans-serif !important;font-size:11px !important;font-weight:700 !important;text-transform:uppercase !important;letter-spacing:0.1em<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_canvas","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-12147","post","type-post","status-publish","format-standard","hentry"],"_links":{"self":[{"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/posts\/12147","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/comments?post=12147"}],"version-history":[{"count":1,"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/posts\/12147\/revisions"}],"predecessor-version":[{"id":15913,"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/posts\/12147\/revisions\/15913"}],"wp:attachment":[{"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/media?parent=12147"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/categories?post=12147"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/tags?post=12147"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}