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Loan Detector

image of Loan Detector
image of Loan Detector

About – Loan Detector

You can find Loan Detector situated in the Western Cape in a city we all know and love – Cape Town.

At LDSA, we run our business through a high-tech call centre that works for hand in hand with our new technology web-based applications. These online loan applications facilitate a masterful 2-in-1 service package to all our clients.

Our effort is unmatched

The package comprises an affordable telephonic legal assistance plan, coupled with a complimentary personal loan finding service.

Our efforts in the industry go unmatched and as a result, our efficiencies in the South African market and our experienced staff are able to process over 12 000 applications per month on the behalf of our clients.

No matter the business requirement or situation your firm is in, our finance options are there to provide you with the best deal possible. We’ll help you through our skills and services which we can confirm do adhere to the laws of the National Credit Regulator.

Loans between R1000 and R10, 000, 000

The business loan amounts that we have available are from R1000 – R10,000,000! That’s not all, we also provide our clients with tailored procedures when it comes to assisting you in those nasty, unforeseen financial times. Another benefit that you can expect with Loan Detector SA, is that your loan repayments are always going to be affordable since we ensure this during approval of the loan.

Requirements for a loan

South Africans over the age of 18 that possess a valid SA identity document and earn a minimum of R1500 per month, are welcome to apply with Loan Detector SA. Please make sure to provide proof of your residence and have a South African bank account into which your salary is deposited every month. 

Services – Loan Detector

Loan Detector SA has designed a package that offers a host of paralegal services for your legal convenience.

Upon your first month with this option, you will pay only R399.00 in subscription fees and R99.00 per month for the remaining 11 months. This type of service package is all you need when you’re looking for services that cover legal needs. You now have the opportunity to experience all the benefits yourself!

Complimentary loan finding service

When looking at our service package’s Telephonic Advice Service, it constitutes a multitude of Advice, Assistance services to suit the business needs when it comes down to the legal stuff.

Motor Vehicle Accident Claim Assistance Advice Service, Personal Injury Advice, Assistance Service, Conveyance Advice, Assistance Service and Domestic Violence Advice, Assistance Service are among these facilities that are on offer to you.

As mentioned previously, you even receive a complimentary personal and business loan finding service that you have access to use as and when you please during the period of the package.

Reliable loan options

When you need a quick loan, we can guarantee that you will be pleased with our reliable options. On offer, we have a multitude of secured loans for those unexpected cash emergencies and unsecured loans for the individuals who don’t have access to security to offer in place of a loan.

Loan Detector offers bonds, sometimes referred to as mortgages, for those who are in the market to purchase a house for their family. If that’s not all, we still offer the typical personal loan that gives you access to a lump sum of funds to use as you please, i.e. no specific purpose needs to be provided in order to obtain this loan.

Whether it be a medical emergency or simply a cash injection for a long overdue family holiday! Other services through Loan Detector include vehicle finance, bridging finance and even debt consolidation. 


Interest Rate

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Summary of Services

  • BUSINESS Loans
  • START-UP Loans


Loan Detector is here to assist your business when it matters most!

Our loan periods range from a minimum period where you can expect 3 months, while the maximum we offer our clients to repay over is 60 months.

What happens if I pay later than my monthly due date?

You, unfortunately, will be found accountable for the interest charges that will occur. When you approach Loan Detector SA once a loan has been granted, and they have also considered your loan and determined that you are not in a position to afford the repayments, we are obliged to assist in trying to source a workable solution that could include rescheduling of the loan or a bad credit loan.

Should you further not meet the agreement requirements, this will, unfortunately, result in your profile being handed to attorneys for legal intervention. They will do their best to collect the outstanding money on the accounts, so be prepared to pay interest and legal costs should this occur. Don’t forget that this could have a negative impact on your credit score, rendering you unable to receive future credit.

What are the consequences of non-payment of a loan?

Missing a payment completely is far worse than a late payment since your creditworthiness is completely compromised. Other creditors are privy to this information and will judge you when attempting to apply for future credit.

Even though you had a reason for non-payment, Loan Detector SA would still need to report the loan in arrears, which after a few attempts at trying to collect the payments, would render your credit history poorly affected.

Understanding the service fees of creditors

Fees are charged for the service of drawing up an agreement, and that is basically to cover the costs of administering and maintaining the personal or business finance agreement. The service provider as the choice to rather charge this fee monthly or annually, depending on what suits them. The NCR regulates all service fees, namely the maximum fees that can legally be charged, that way you can rest assured that you won’t be overcharged at Loan Detector SA.

What is the Annual Percentage Rate (APR)?

The Annual Percentage Rate of charge (APR) that corresponds to a nominal APR, sometimes to an effective APR, can be defined as the interest rate for an entire year, rather than just the monthly fee or charge applied for loans, bonds and credit cards as an example. In short, it is the total finance charge, over a period of a year.


Customer Reviews & Testimonials

 Contact Details

16 Voortrekker Road, Cape Town, Western Cape, 8000, South Africa
Ph: 0860 021 022
Fx: 086 592 1004
Em: info@ldsa.co.za

 Postal Address

PO Box 405, Parow, 7499, South Africa

 Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday Closed –
  • Sunday Closed –