Banky team Reviewed editorial answerA top-up typically means increasing your financing or restructuring your loan after you've made partial payments, but the timing and terms vary depending on the bank and the product.
Key points
The bank reviews your payment history, remaining balance, current income, and ability to afford the new installment.
Request a written offer that clearly states the net amount you'll receive, the installment amount, the loan term, and the total cost, not just a figure you mentioned over the phone.