Affordability refers to the maximum deduction from source for repayments after mandatory deductions have been made.

Loan Repayment Amount is the Principal + Interest

Your monthly deduction is the total loan repayment amount divided by the total number of months required to settle the loan.
You can adjust the repayment amount and/or repayment period to align monthly deductions with your affordability.

Some partners allow you to pay off early. Discuss this with your loan provider.

Yes. Discuss this with your loan provider.

So long as you have affordability, you can apply for a loan. We can only compute affordability if your employer is up to date with payroll data uploads.