We understand that financial circumstances can change suddenly, however, it is important to note that we do not schedule repayment dates and you should only take a Aposhashamura loan if you are reasonably certain you have the means to repay within the agreed period. There may be fees associated with late repayments. In addition, defaulting loans are reported to national Credit Bureaus and this can severely affect your ability to access loans in future. We therefore advise you take every effort to meet your obligations on time