Why was my loan not approved? June 29, 2020 04:45 Updated Please check etika’s FAQ page for loan related enquiries. Related articles Can I exit the loan before the contract period ends? What personal information is the third-party collecting and how long are they holding that information? Which Apple Watches are eligible for this offer? Who do I speak to if my Apple Watch isn't working? How do I take out the loan/set this up?