M-Pesa Loan Online: Get Instant Cash with ASAP Credit in Kenya

M-Pesa loans provide a fast and reliable way to access cash when you need it most. Unexpected bills can arise at any moment—a medical emergency, urgent home repairs, or even school fees. These situations demand quick financial solutions, and waiting for slow bank loans simply isn’t an option.

With ASAP Credit, Kenyans can get instant online M-Pesa loans without the hassle of lengthy applications or collateral. Whether you need money for emergencies or unexpected expenses, ASAP Credit ensures you get the funds you need in minutes, directly into your M-Pesa account.

Why Choose ASAP Credit for Your Emergency M-Pesa Loan?

ASAP Credit is different from other loan options. We make getting money simple. Here’s why you should choose us.

Instant Loan Disbursal to Your M-Pesa Account

Need cash now? With ASAP Credit, you get money fast. Once approved, funds are sent to your M-Pesa instantly. You can apply 24/7. Get quick access to funds for those urgent situations.

Simple and Streamlined Online Application

Our online application is user-friendly. It is easy to follow each step. You don’t need lots of paperwork either. With minimal documentation, the process is straightforward.

Competitive Interest Rates and Flexible Repayment Plans

We believe in being clear about our interest rates. Also, we offer repayment options that work for you. Compared to other lenders, our terms are fair and transparent.

Eligibility Criteria for an ASAP Credit M-Pesa Loan

To get an ASAP Credit loan, there are some rules you need to know. See if you meet these requirements.

Kenyan Citizenship and Valid Identification

You need to be a Kenyan citizen. Have a valid form of ID. A National ID works. Make sure the info you give us is correct.

Active M-Pesa Account and Mobile Number

You must have an active M-Pesa account. This is needed for the loan. It helps you get the money quickly.

Minimum Age Requirement

You need to be at least 18 years old to apply. This is a standard rule for loans.

How to Apply for an Emergency M-Pesa Loan with ASAP Credit: A Step-by-Step Guide

Applying for a loan is easy. Follow these steps.

Step 1: Visit the ASAP Credit Website or Mobile App

Go to our website or download the app. It’s the first step to getting your loan.

Step 2: Fill Out the Online Application Form

Enter your personal info in the form. Put in your M-Pesa details. State the loan amount you need. Accuracy is important.

Step 3: Submit Your Application and Await Approval

After applying, wait for approval. We’ll tell you through SMS or email.

Understanding the Terms and Conditions of Your ASAP Credit Loan

Be smart about borrowing. Know the loan terms.

Interest Rates, Fees, and Charges

We break down all costs. There are no hidden fees.

Repayment Schedule and Penalties for Late Payments

Know when you need to pay. There are penalties if you’re late.

Loan Renewal and Extension Options

See if you can renew or extend your loan if needed. There may be rules to follow.

Tips for Managing Your Emergency M-Pesa Loan Responsibly

Manage your loan well. Avoid debt problems.

Budgeting and Financial Planning

Make a budget. This helps you pay back on time.

Avoiding Over-Borrowing

Only borrow what you need. Don’t take out too much.

Contacting ASAP Credit for Support

Got questions? Contact our customer support
0768 222 111 or [email protected]. We are here to help.

Conclusion

ASAP Credit offers fast M-Pesa loans in Kenya. It’s easy, quick, and available to many. If you need cash fast, think about applying for a loan with ASAP Credit. Borrow responsibly!

Imagine needing money for a home makeover, launching a new business, or combining debts. Choosing the right loan can feel tricky. What’s the difference between secured and unsecured loans? Secured loans use something you own as backup. Unsecured loans don’t. This guide, brought to you by asap credit, gives you the knowledge needed to choose wisely.

Secured Loans: Leveraging Assets for Borrowing

Secured loans are backed by collateral. Collateral is an asset that a borrower offers to a lender. This lowers the lender’s risk. If you don’t repay the loan, the lender can take the asset.

What is a Secured Loan?

With a secured loan, you provide the lender something of value. The lender has peace of mind. They know they can recover some money if you fail to pay back the loan. This reduced risk often translates into better loan terms for you.

Examples of Secured Loans

Mortgages are secured loans. Your house is the collateral. Auto loans use your car as collateral. Secured credit cards require a cash deposit as collateral. Should you default, the lender can seize the asset to cover their losses.

Benefits and Risks of Secured Loans

Secured loans often have lower interest rates. Plus, they may offer higher borrowing limits. But there’s a risk. You could lose your asset if you can’t repay.

Unsecured Loans: Borrowing on Your Creditworthiness

Unsecured loans don’t require collateral. Lenders approve you based on your credit history and income. Your creditworthiness is key. They are trusting you to repay the loan as agreed.

What is an Unsecured Loan?

An unsecured loan relies on your promise to repay. The lender looks at your past credit behavior. They check your income to assess your ability to repay. Your credit report and score matter a lot.

Examples of Unsecured Loans

Personal loans are often unsecured. Student loans can also be unsecured. Credit cards are a common type of unsecured credit. There’s no specific asset backing these loans.

Benefits and Risks of Unsecured Loans

You don’t risk losing an asset with unsecured loans. Approval can sometimes be faster. On the flip side, expect higher interest rates. Borrowing limits may be lower too.

Key Differences Between Secured and Unsecured Loans

Let’s compare these two loan types directly. This will allow you to easily see the key differences. Considering interest rates, loan amounts, and approval requirements is smart.

Interest Rates

Secured loans usually have lower interest rates. The lender’s risk is less. Unsecured loan rates might be higher because of the increased risk. Secured loan rates can be between 3% and 8%. Unsecured rates may range from 5% to 36%, or even higher.

Loan Amounts

Secured loans often let you borrow more money. This is because collateral reduces the lender’s risk. Unsecured loans may have lower limits. This is based on your creditworthiness.

Approval Requirements

Secured loans may be easier to get with a less-than-perfect credit. But they require asset evaluation. Unsecured loans demand a good credit score. Lenders want assurance you’ll repay.

Repayment Terms

Repayment periods vary. Mortgages can stretch to 30 years. Auto loans typically last 3-7 years. Personal loans might have terms of 1-5 years. Student loans can range from 10-20 years.

Choosing the Right Loan: Factors to Consider with asap credit

Think about your specific situation when choosing a loan. You must assess key factors. Credit score and asset availability should play a role.

Your Financial Situation

Look closely at your finances. Consider your income, bills, credit score, and debt load. A clear picture helps you choose the right loan. Can you comfortably afford monthly payments?

Your Credit Score

Your credit score really makes a difference. It impacts loan options and interest rates. ASAP Credit offers solutions if your credit isn’t great. Improve it before applying for better terms!

Your Asset Availability

Are you willing to risk an asset as collateral? Understand the consequences if you can’t repay. Losing an asset can be devastating. Think carefully before securing a loan this way.

How to Apply for Secured and Unsecured Loans with asap credit

The application process differs for each loan type. Here’s a general idea of what to expect. Knowing what to prepare for can reduce stress and increase success.

Applying for a Secured Loan

Expect asset appraisal. Gather documentation about the asset you’re using as collateral. The lender will assess its value. They want to ensure it adequately covers the loan amount.

Applying for an Unsecured Loan

The lender will check your credit. They’ll also verify your income. Be ready to provide bank statements and pay stubs. This helps them assess your ability to repay.

Tips for a Successful Loan Application

Boost your credit score first. Collect all necessary documents. Compare offers from multiple lenders. asap credit can help you find the best rates.

Conclusion

Secured loans use collateral, often leading to lower rates. Unsecured loans rely on your creditworthiness. So, consider your finances carefully before deciding. Choosing the right loan significantly impacts your financial health. Explore your options with asap credit. Make smart decisions.

Long-term loans are a practical option for anyone needing access to funds but wanting a manageable repayment timeline. Unlike short-term loans that often require lump-sum payments over a few weeks or months, these provide flexibility with installments spread over 12 months. For those in urgent need of credit, such loans can bridge the gap, offering financial stability without overwhelming repayment demands.

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What Are Long-Term Loans for Up to 12 Months?

Long-term loans for up to one year are designed for borrowers needing quick funds but prefer structured repayments over a set period. These loans can cater to emergencies, business needs, or unexpected expenses requiring large sums.

Defining Long-Term Loans

A 12-month loan is exactly as its name suggests—a financial agreement allowing the borrower to repay within a year. It strikes a balance between short-term convenience and long-term commitment. Although it’s shorter than traditional multi-year loans, the 12-month term provides predictable payments, making it easier to budget.

Key Features of 12-Month Long-Term Loans

• Fixed Repayment Schedules: Borrowers pay the same amount monthly, simplifying budgeting.
• Interest Rates: Often lower than payday or short-term options, though rates depend on the lender and credit profile.
• Eligibility Criteria: Requirements differ but typically include proof of income, employment, and a basic credit check.

Who Can Benefit from These Loans?

These loans are ideal for various situations:

• Individuals Facing Emergencies: Medical bills, car repairs, or unexpected home expenses.
• Small Business Owners: Cover short-term costs like inventory purchases or payroll.
• Credit Rebuilding Efforts: Responsible repayment habits can improve credit ratings.

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Advantages of Long-Term Loans with ASAP Credit

Choosing a 12-month loan through ASAP Credit comes with clear advantages tailored to borrowers’ needs.

Flexible Repayment Periods

The year-long schedule allows borrowers to pay in smaller installments. This is especially beneficial for those with limited monthly cash flow or irregular earnings.

Quick Access to Funds

ASAP Credit can provide decisions quickly, typically delivering funds faster than traditional banks. This is perfect for financial emergencies, where timing often matters more than anything.

Improvement of Credit Score

Repaying a long-term loan on time consistently over 12 months demonstrates financial responsibility. Over time, this can increase a borrower’s credit score, unlocking better financial opportunities.

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How to Apply for a Long-Term Loan with ASAP Credit

While taking a loan may seem complex, the application process for ASAP Credit is simple and hassle-free.

Eligibility Requirements

To qualify, borrowers usually need:

• Proof of steady income.
• A valid ID to confirm identity.
• A credit score that meets the lender’s minimum requirement (varies by lender).

Documents Needed for Application

Gathering the right documents streamlines approvals. Essentials include:

• Recent payslips or income tax returns.
• Bank statements from the past three months.
• A government-issued photo ID, such as a driver’s license or passport.

Step-by-Step Application Process

1. Submit the Application: Fill out an online or physical form, providing accurate details.
2. Upload/Submit Documents: Attach copies of needed documents.
3. Approval Phase: Wait for the lender to review and approve your application.
4. Receive Funds: Once approved, expect disbursement within a short period.

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Key Considerations Before Taking a 12-Month Loan

Before committing, evaluate your financial situation carefully.

Interest Rates and Fees

Loan costs vary, so compare multiple offers from lenders. Pay attention to:

• Annual percentage rate (APR).
• Upfront fees or penalties for late payments.

Assessing Your Repayment Capacity

Can you comfortably afford monthly payments? Create a budget, factoring in income and expenses, to see how the loan would fit into your finances.

Reading and Understanding Loan Terms

Take time to review the loan agreement thoroughly. Watch for hidden fees, prepayment penalties, or any clauses that might affect your repayment plan.

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Conclusion

Long-term loans with a 12-month repayment period can be a dependable financial solution, especially when paired with the responsive services of ASAP Credit. They offer the right balance of flexibility, speed, and structured repayments. But borrowing is a serious decision—assess costs, repayment capacity, and terms before proceeding. When used wisely, these loans can address urgent needs while supporting financial stability.

Ready to consider your options? Start by comparing lenders, gathering required documents, and planning a budget that fits your lifestyle. A smarter approach can make borrowing work better for you!

 

The Stress of Last-Minute Shopping: Impact on Relationships and Finances

We’ve all been there: you wait too long, and suddenly you’re running out of time to pick out a gift that will truly show your love. Not only can last-minute shopping leave you feeling frazzled, but it can also put strain on your relationship and finances. The pressure to find the perfect present can lead to hasty decisions that might not align with your budget. With fast credit approvals, however, you can alleviate some of this stress and make smarter choices—without feeling like you’re cutting it too close to the wire.

Your Solution: Fast Credit Approvals for Timely Gifts

Whether you’re shopping for your partner, a friend, or even a family member, fast credit approvals are your ticket to timely gift-giving. These solutions allow you to shop for the perfect present without worrying about the clock ticking down. With quick approval processes, you can focus on picking the ideal gift, instead of stressing about how to pay for it.

Understanding Your Credit Options for Valentine’s Day Gifts

When it comes to last-minute gift shopping, there are several credit options to consider. Let’s break them down so you can make an informed decision.

Credit Cards: Explore Rewards and Interest Rates

Credit cards are often the go-to option for many last-minute shoppers. They offer various benefits, including rewards programs that allow you to earn cash back, travel points, or other perks. However, before swiping your card, be mindful of the Annual Percentage Rate (APR). Some credit cards have high interest rates, and if you don’t pay your balance off in full, you might find yourself paying much more for that last-minute gift.

Store Credit Cards: Instant Approval, but Be Cautious

Many stores offer store-specific credit cards with instant approval, making them an attractive choice when you’re in a hurry. These cards often come with discounts, which can be tempting during the Valentine’s Day rush. But be cautious—store credit cards typically have higher interest rates than regular credit cards, and if you don’t pay off your balance quickly, the interest can add up fast.

Buy Now, Pay Later (BNPL) Services: A Flexible Option with Caution

Buy Now, Pay Later services have become increasingly popular for last-minute shoppers. These services allow you to split your payment over several weeks or months, which can make it easier to budget for your gift. However, be aware that if you miss a payment or fail to pay on time, you could incur late fees or damage your credit score. While BNPL can provide short-term relief, it’s important to use it responsibly.

Factors That Affect How Quickly You Get Approved

When you’re in a time crunch, speed is key. Here are the main factors that influence how quickly you can get approved for credit:

1. Credit Score: How It Affects Approval Speed

Your credit score plays a major role in the speed and ease of approval. If you have a higher credit score, you’re more likely to be approved quickly, with favorable terms. On the other hand, if your credit score is lower, the approval process may take longer. Knowing your credit score in advance can help you gauge how fast you’ll be able to secure approval.

2. Income Verification: What You Need to Speed Up the Process

Lenders often ask for proof of income as part of the approval process. Having your most recent pay stubs, bank statements, or tax returns ready can help expedite the application process. The quicker you can provide the necessary documents, the faster the approval.

3. Debt-to-Income Ratio: The Lower, the Better

Lenders also assess your debt-to-income ratio, which is the percentage of your monthly income that goes toward paying off debts. A lower ratio increases your chances of approval and helps speed up the process. If you’re able to keep your debt levels manageable, you’ll be in a stronger position to get approved quickly.

Tips for Expediting Your Credit Application

1. Apply Online vs. In-Store: Which is Faster?

If you’re in a rush, applying for credit online is typically the faster option. Many online lenders offer near-instant approval, making it ideal for those shopping on a tight timeline. On the other hand, applying in-store may involve longer wait times due to paperwork and processing.

2. Gather Necessary Documentation in Advance

Being prepared is key. Before applying for credit, gather any necessary documentation, such as proof of identity, income verification, and your credit score. Having everything ready to go will help speed up the approval process.

3. Choose the Right Lender: Speed and Reliability Matter

Not all lenders are created equal. Do your research to find lenders who are known for fast approvals and clear, fair terms. Checking customer reviews and ratings can also give you insight into the lender’s reliability and service quality.

Smart Spending: How to Manage Your Valentine’s Day Credit Wisely

Once you’ve secured credit for your gift purchase, it’s important to manage your spending wisely. Here’s how:

1. Set a Realistic Budget

It’s easy to get carried away when shopping for a loved one, especially during the Valentine’s Day rush. Before you make a purchase, set a budget that aligns with what you can afford. A budget will help you avoid overspending and prevent any buyer’s remorse down the road.

2. Plan Your Repayments to Avoid Interest Charges

Credit options can come with high interest rates, especially if you don’t pay your balance off in full. To avoid paying extra, plan your repayment strategy in advance. Aim to pay more than the minimum payment each month, which will help you pay off the balance faster and avoid interest.

3. Avoid Credit Card Debt Traps

Credit cards can offer flexibility, but they can also lead to debt if you’re not careful. Avoid maxing out your credit card limit and try to pay off your balance before interest begins to accrue. Responsible use of credit will help you maintain a healthy credit score and avoid unnecessary debt.

Alternatives to Credit: Last-Minute Gift Ideas That Don’t Require Credit

If you’re not keen on using credit for your Valentine’s Day purchases, there are plenty of great alternatives:

1. Gift Cards: A Convenient and Thoughtful Option

Gift cards are an excellent alternative for last-minute shoppers. They’re quick to purchase and allow the recipient to choose exactly what they want. Whether it’s for a favorite store, restaurant, or online retailer, gift cards are practical and appreciated.

2. Experiences Over Material Gifts: Creating Lasting Memories

Instead of a physical gift, consider giving the gift of an experience. Whether it’s a cooking class, a weekend getaway, or tickets to a concert, experiences often have a deeper emotional impact than material items. Memories last a lifetime, and shared experiences can strengthen your bond with your loved one.

3. DIY Gifts: Personal, Thoughtful, and Budget-Friendly

If you’re crafty, why not create a personalized DIY gift? Handmade gifts are often more meaningful because they show effort and thoughtfulness. Whether it’s a scrapbook, a knitted scarf, or homemade baked goods, DIY gifts can leave a lasting impression without breaking the bank.

Conclusion: A Stress-Free Valentine’s Day with Smart Credit Management

Don’t let the pressure of last-minute shopping ruin your Valentine’s Day. By understanding your credit options, applying wisely, and managing your spending, you can make this holiday special—even if you’re short on time. Whether you use credit cards, BNPL, or another option, the key is to plan ahead, stay within your budget, and make sure you’re making smart financial choices.

Key Takeaways:

• Know your credit score and be prepared with the right documentation.
• Choose the best credit option for your situation, whether it’s a credit card, store card, or BNPL service.
• Stick to a budget, plan repayments, and avoid debt traps.

Remember, with the right tools and a little planning, you can make this Valentine’s Day one to remember without breaking a sweat or your bank account. So, don’t stress about the last-minute rush—smart credit management will help you make the most of this special day!

If you’re looking to access quick financial help in Kenya, applying for a Chama loan through Asap Credit Africa might be your best option. This online service offers a simple way to secure funds based on your group savings. In this post, we will explore the application process, eligibility requirements, and how you can benefit from these loans. Get ready to discover how easy it can be to get the support you need.

Why Chama Loans Are Beneficial

Financial Advantages

• Lower Interest Rates: Compared to individual loans, chama loans come with competitive interest rates, typically ranging between 8% and 15%.
• Enhanced Creditworthiness: Group accountability increases the chances of securing funding. For example, a chama that pooled resources to finance a bakery saw its members improve their credit profiles while building a successful business.

Community and Social Benefits

• Stronger Support Systems: Chama members provide financial assistance for various needs, such as weddings, medical expenses, and school fees.
• Improved Financial Literacy: Through shared learning experiences, members gain valuable money management skills. As one financial expert puts it, “Knowledge is best when shared; it multiplies.”

Business Growth Opportunities

• Easy Access to Capital: Many small businesses in Kenya have been launched using chama loans. Statistics reveal that over 60% of small enterprises started with chama funding.
• Shared Mentorship and Resources: Members benefit from guidance and networking opportunities. For instance, a tailoring chama used its loan to expand, providing hands-on training and employment opportunities.

ASAP Credit Chama Loan Eligibility Criteria

Group Requirements

• A chama must have at least 10 registered members.
• Required documents include:
  • Group registration certificate
  • Minutes from the latest meeting
  • A copy of the group’s constitution

Individual Member Requirements

• A minimum credit score of 650 is preferred.
• Members must provide proof of identity and income, including:
  • National ID or passport
  • Recent payslips or bank statements

How to Apply for an ASAP Credit Chama Loan

Step-by-Step Application Process

1. Prepare Required Documents – Ensure all necessary paperwork is in order.
2. Submit Application Online – Visit the ASAP Credit loan application portal, complete the application form, and upload the required documents.
3. In-Person Applications – You can also apply at branch locations, including:
   • Nairobi – Westlands Branch
   • Mombasa – City Branch
   • Bring all required documents for processing.
4. Approval and Disbursement – Applications are typically reviewed within 5 to 10 business days. Once approved, funds are disbursed via mobile money or bank transfer.

Maximize the Benefits of Chama Loans Today

Chama loans offer an excellent way to access affordable credit, build financial stability, and grow your business. With lower interest rates and strong community support, they provide a powerful financial tool for members. Whether you’re looking to fund a business, cover an emergency, or invest in personal development, ASAP Credit makes the loan application process simple and accessible. Apply today and take a step towards financial success!

Finding the right personal loan can be tough, especially in Kenya’s busy market. Asap Credit stands out as a reliable option for those in need of financial support. This post will explore why Asap Credit is your go-to source for personal loans, detailing their easy application process, quick approvals, and flexible repayment options. Understanding these features can help you make informed decisions about your finances.

The Growing Need for Mobile Lending in Kenya

Kenya has one of the highest mobile phone penetration rates in Africa. According to recent statistics, over 90% of adults own a mobile phone, and mobile money services have over 30 million active users. This rapid growth shows how mobile loans can bridge financial gaps for many Kenyans. People can now access funds instantly without needing to visit physical banks.

Understanding Personal Loan Options in Kenya

Personal loans come in different forms—secured and unsecured. Secured loans require collateral, while unsecured loans do not. Mobile loan applications are quick and convenient, allowing users to apply from anywhere at any time, making them highly popular.

Why ASAP Credit Stands Out

ASAP Credit is a leading option for personal loans in Kenya. They offer a straightforward loan process with competitive rates, making them an attractive choice for borrowers. Their commitment to customer service and transparent terms sets them apart from others in the market.

Understanding ASAP Credit’s Personal Loan Rates in Kenya
Competitive Interest Rates and Fees

ASAP Credit offers some of the best personal loan rates in Kenya. Compared to other lenders, their rates are favorable, making borrowing more affordable. Factors that influence these rates include:

• Credit score
• Loan amount
• Loan term length
• Transparency and Loan Terms

ASAP Credit prides itself on clear and understandable loan terms. Borrowers are informed about repayment schedules and can see how much they need to pay monthly. This clarity helps individuals stay on track with their loans.

Hidden Costs and Fees to Watch Out For

Before applying, be aware of potential additional charges—for instance, processing fees. Reading the fine print is essential to understand any costs you may incur throughout the loan process.

The Simple Personal Loan Application Process with ASAP Credit
Step-by-Step Guide to Mobile Application

Applying for a loan with ASAP Credit is easy. Here’s how:

• Download the ASAP Credit App or visit their website.
• Create an account or log in.
• Fill out the application form, providing personal details and the amount needed.
• Submit required documents.
• Await approval notification.
• Required Documentation and Eligibility Criteria

To apply for a personal loan, you might need:

• A valid ID (e.g., National ID or passport)
  Recent payslips or bank statements
  Proof of residence
• The verification process typically involves checking these documents and assessing your credit history.
• Instant Approval and Disbursement

ASAP Credit generally offers instant approval, with funds disbursed swiftly once you’re approved. Loans can be sent directly to your mobile money account, ensuring quick access when you need it.

Eligibility Criteria for Personal Loans in Kenya
Credit Score Requirements

Having a good credit score is crucial. A higher score improves your chances of approval and better rates. To boost your creditworthiness:

• Pay bills on time
• Keep credit card balances low
• Avoid multiple loan applications simultaneously
• Income and Employment Verification

Lenders often check your income to ensure you can repay the loan. This verification could come from:

• Payslips
• Bank statements
• Employment letters
• Other Factors Affecting Eligibility

Other factors impacting eligibility can include age and residency status. Most lenders need you to be at least 18 and a citizen or resident of Kenya.

Types of Unsecured Personal Loans Available
Short-Term vs. Long-Term Loans

Short-term loans are convenient for quick cash needs, often due for payment within a few months. Long-term loans offer larger amounts but come with extended repayment periods. The choice between the two should be based on your financial situation and repayment ability.

Loans for Specific Needs

Unsecured loans can serve various purposes, such as:

• Emergency expenses
• Business investments
• Education financing

Understanding your needs helps you choose the right loan.

Managing Your Personal Loan Effectively

To handle your loan responsibly:

• Create a budget including loan repayments.
• Make payments on time to avoid penalties.
• Consider setting up automatic payments for convenience.
• Conclusion: Making Informed Decisions About Personal Loans
• Key Takeaways and Recap of Benefits

Using ASAP Credit for personal loans in Kenya comes with flexibility and fast access to funds. With competitive rates, transparent terms, and a simple application process, it’s a smart choice. Always remember the importance of borrowing responsibly to maintain financial health.

Further Resources and Support

For more information, you can visit:

• Central Bank of Kenya
• Credit Bureaus in Kenya

For specific inquiries, reach out to ASAP Credit directly through 0768 222 111 or [email protected]. They are there to guide you through the process and provide the help you need.