Terms & Conditions
Last Updated: 30 November 2025
These Terms & Conditions govern your use of VT-Fi’s website and loan services. By applying for a loan or accessing our website, you agree to these terms.
1. Eligibility
To apply for a loan through VT-Fi, you must:
Be 18 years or older
Reside in Fiji
Provide accurate personal and identification details
Have a valid social media account at least 12 months old
Have a verifiable source of income
Providing false or misleading information may result in application rejection, cancellation of approval, or reporting to authorities.
2. Application & Approval
Submitting an application does not guarantee approval.
Approval is based on:
Income verification
Identity verification
Assessment of your ability to repay
Internal risk checks
We reserve the right to accept or decline any application at our discretion.
3. Loan Terms
Loan terms—including interest, repayment schedule, fees, and due dates—will be clearly explained to you before final approval.
By accepting the loan, you agree to:
Repay the full amount according to your repayment schedule
Ensure your bank account has sufficient funds for repayments
Contact VT-Fi if you encounter repayment difficulties
4. Fees & Charges
Applicable fees may include:
Processing fees
Late payment fees
Default fees
Early settlement terms (if applicable)
All fees will be disclosed to you before accepting the loan.
5. Your Responsibilities
You agree to:
Provide accurate and updated information
Notify us of changes to your phone number, employment, or address
Use the loan for lawful purposes
Maintain communication regarding any repayment issues
6. Default & Collection
If you fail to meet your repayment obligations:
Late fees may apply
Your loan may be transferred to a collections partner
Your information may be used for recovery actions
Your default may be reported as required by law
7. Use of Website
You agree not to:
Use the website for fraudulent purposes
Attempt to breach or interfere with website security
Use automated tools to submit applications
We may suspend or restrict website access at any time for maintenance or security.
8. Limitation of Liability
VT-Fi is not liable for:
Losses arising from delays caused by incorrect or missing information
Technical issues affecting website access
Unauthorized access due to factors beyond our control
We provide services on an “as available” basis.
9. Amendments
We may update these Terms & Conditions at any time.
Continued use of our website or services means you accept the updated terms.
10. Contact Us
For questions or concerns regarding these Terms & Conditions:
VT-Fi Customer Support
Email: [Insert Email]
Phone: [Insert Phone Number]
Address: [Insert Address]