Loans

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Personal Loans (Short-term 3-12 months) (Long-term 12-36 months)

Are you in a tight critical situation for time and money? We all experience those times in which we urgently need cash. We give you access and the opportunity to take out a short-term personal loan to overcome all kinds of crises and to regain your financial freedom. We have various loan products to suit your needs and range from R1 500 up to R50 000.Benefits to you

• Easy application - no personal interview.
• No security or collateral required
• All loan requests are confidential and secure
• Choice of loan period - from 6 months up to 3 years.
• Fixed repayments - not affected by subsequent interest rate hikes.
• FREE personal loan quote, no obligation to accept your loan proposal
• Peace of mind - you can insure repayment of your loan in the event of death or disability.
• You can immediately access cash to balance your budget, handle emergencies, consolidate debt, or just to put money in your wallet!
  

Consolidation loan

Clients who have several loans to pay to different suppliers can now consolidate their loans through one loan.

1. Interested client applies for a debt consolidation loan through one of our registered NCR credit providers.
2. We assist our customers to make applications for a loan
3. Interested clients provide us with the necessary documentations (ID, Proof of Income, Proof of address and 3 month bank statement)
4. We start the processing procedure of the loan application and receive a pre-approved loan amount.
5. After receiving the pre-approved loan amount we immediately contact your creditors and start the negotiating process whereby we will attempt and save you as much money as we can. Please bear in mind that negotiating and reaching a settlement usually takes several phone calls and communication between us, the creditor and yourself.
6. Once a settlement figure of the outstanding amount has been agreed upon we will then proceed to process the loan.
7. Depending on circumstances the loan will be disbursed into your creditor's nominated account and the balance will then be transferred into your personal nominated account.
8. Once the creditor has been paid and all paperwork is in place we will then nominate one of our network of attorneys to attend to the rescission of your judgment.
   

In the process we will counsel clients, who do not qualify for a loan, on how to manage financially, as well as clients who do qualify, on how to ensure that regular repayments are made on schedule. We will monitoring repayment closely as to ensure you don't get blacklisted again

Homeloan process

In order to qualify for a homeloan we first proceed to clear you name from the credit bureaux. If you need a loan to settle creditors see our loans process procedure. Once your name have been cleared we then proceed with the home loan application

The advantages to you are as follows:

• We submit only one application to all the major banks (ABSA, Nedbank, FNB, Standard Chartered and Standard Bank)
• We negotiate on your behalf the lowest possible interest rate;
• Once we start the process we guarantee fast service;
• Explain to you in detail all the different banks home loan options
• We handle all the queries from the bank to the applicant
• We offer professional advice and assistance in the whole process;
• We provide a better chance of success.
• 2nd bonds and homeloan switches
  

Documentation we need is:

• All your personal information including banking details
• 3 month bank statement
• Payslip
• Audited financials (where applicable)
• ID Documents