PERSONAL LOANS SOUTH AFRICA

Personal loans online to a maximum of R350 000 with maximum 84 months to pay. Short-term loan up to R8000 with maximum 3 months to pays. You choose your repayment term. Apply online in 2 minutes. No branch visits required . Money in your account within 24 hours of approval

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    PERSONAL LOAN UP TO R350 000

    FLEXIBLE REPAYMENT PERIODS

    ✅ Easy Online Application

    ✅ NO APPLICATION FEES

    ✅ APPROVAL IN 24 HOURS

    Your interest rate will depend on your personal risk and credit rating.

    The National Credit Act caps interest rates at 5% a month. 30% over 6 months and 60% a year.

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    An illustrative example of a personal loan at an interest rate of 27.75% per annum would be. For example a Personal Loan amount R50 000 plus a once-off initiation fee of R1 207.50 and a monthly admin fee of R69.00, over 72 months.
    The total cost of the loan will be R 110 594.54.  Which is a maximum Annual Percentage Rate (APR) of 30.98%.

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    Personal Loan repayment terms range from 1 to 72 months. The maximum interest rate with regards to a Personal Loan is 27.75% per annum (compounded monthly). Your rate and initiation fee will be determined according to your personal risk profile.

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    Maintaining a good credit score is vital if you want to apply for a loan or credit in any form. .There are plenty of things you can do to maintain the good credit score you’ve worked so hard to build, and one excellent reason why you should care: money. A good credit score typically means lower interest rates, and that means more cash in the bank. It’ll also be easier for you to get a loan and credit. click here to check your credit score and learn how to improve your credit health.

    PRIVACY POLICY

    Unsecured Personal Loans

    These are “unsecured” because you don’t put up anything as collateral as a means of a guarantee to obtain a loan. If you default on payments. You will not risk losing your collateral.

    NO UPFRONT FEES

    WE DO NOT CHARGE ANY UPFRONT FEES. YOU WILL NEVER BE REQUIRED TO SUBSCRIBE TO ANY SERVICES SO THAT YOUR PERSONAL LOAN CAN BE APPROVED.

    WE WILL NEVER ASK YOU TO PAY AN UPFRONT FEE. IN ORDER FOR YOUR PERSONAL LOAN TO BE RELEASED

    What is a personal loan

    A personal loanis a fixed amount of money that is borrowed to an individual by a bank or lender that has a fixed interest rate and a fixed repayment period. Furthermore Personal loans are unsecured. meaning there is no collateral involved

    REASONS FOR TAKING LOAN

    REASONS

    There are many reasons why you might opt in to take out a personal loan. So you can make down payments on a home.To consolidating your debt. So that

    Covering medical expenses or surgical procedures.buying a car, or finally getting to those home improvements which you have always wanted could all be great uses for a personal loan.

    POINTS TO CONSIDER

    Some reasons to apply for a personal loan is when you are unable to cover the full amount you need to pay but are responsible enough and financially able to pay back the loan on time. So your credit scores improves

    CHECKS BEFORE APPLYING
    1. Only make applications for loans you can afford. Thus ensuring a good payment history.Resulting in a better credit score
    2. Work on your credit score before you apply.
    3. Prior to filling out an application applicants need to show lenders they are in a stable position. So that they can lend you money
    4.  Before applying Check you are not listed as a bad payer. So you do not further lower your credit score by applying
    BUDGET

    Many people don’t budget because they don’t want to go through what they think will be a boring process. Listing out expenses, adding up numbers, and making sure everything lines up. However if you’re bad with money. Nonetheless you do not have room for excuses with budgeting. Simultaneously resulting in your spending going on track is a few hours working a budget each month. On the contrary Why wouldn’t you do it? Instead of focusing on the process of creating a budget, focus on the value that budgeting will bring to your life

    MANAGING YOUR BUDGET

    Using the Budget: Your budget is useless if you make it then let it collect dust in a folder tucked away in your bookshelf or file cabinet, Refer to it often throughout the month to help guide your spending decisions. simultaneously update it as you pay bills and spend on other monthly expenses. At any given time during the month, you should have an idea of how much money you’re able to spend, considering any expenses you have left to pay

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    • Avatar Catherine P ☆☆☆☆ 2 months ago
      I needed R30 000 to buy furniture as I was moving from Cape town to Pretoria. … More I applied at 4pm and 8am next morning the loan was paid into my account