1. What is your loan term?

We only do payday advance loans, 30 day cash loans.

2. What do I need to apply?

Id Book
90 Days Bank statements
Latest pay slip
Need to be employed longer than six months permanent.

3. What if I have a bad credit record?

You can still apply and we will calculate the risk factors.

4. Can I borrow money if I am under debt review or Administration?

No. You are not allowed by law to borrow money and your debt councilor or administrator should have informed you about it.

5. Do you use credit checks?

Yes. We do credit checks and we also submit our data to credit bureaus and the NLR.

6. How do I Have to pay back?

If you visit one of our offices we swipe your card to create a future debit that you need to approve with your card pin number.

If you a online client we use a system called debicheck. We create a payment and you have to approve it via your bank app, internet banking very similar to online purchases.

Both these payment methods are for the clients peace of mind to prevent fraud and impersonation by imposters.

7. What is your interest rate?

On a first loan the interest rate is 5% and there after 3%.

But there are some other fees as well and the amount of days also affects the total cost.

A good average to work on for the total cost is 23%.

8. What the maximum amount I can borrow?

We look at your affordability before we can assist you. If you have less than R1000.00 disposable income, we cannot assist you. We require you to be honest in completing your affordability so we can assist you in a positive manner; we don’t want to over in debt you as our client.

9. How long does it take to get a loan?

30 minutes.

10. How is the money paid ?

If you visit an office we have a card that we pay the money into for your safety. It’s a Standard bank debit card that you can use anywhere, at any time. You can draw cash and swipe at all pay points. The Card is pin-based and you can choose the pin of your choice.

When you apply online your money will be paid out into the account that you use to authorize the Debicheck transaction.