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Loan Detector SA

image of Loan Detector SA
image of Loan Detector SA

About – Loan Detector SA

We are a national based company, situated in Cape Town and we run a high end, inbound call centre along with web-based applications, that in turn offers a unique and extremely handy 2 in 1 service packages.

This package includes an affordable Telephonic Legal Assistance Plan, as well as a complimentary loan finding service.

We have a wide range of products and services

We pride ourselves on the efforts and efficiencies in the market and our registered staff currently process over 12 000 applications per month on the behalf of our clients.

No matter the requirement, should it be for a bond or even vehicle finance, our providers will assist you with their skills and services which abide by the laws of the National Credit Regulator.

Loans up to R10, 000, 000

We can offer you a personal loan from R1000 – R10, 000,000!

We also offer the ideal procedures when it comes to assisting you with an unexpected financial situation.

Another benefit is that your repayments with us are tailored to suit all your financial needs.

What are the requirements?

If you’re a citizen of South Africa or a permanent resident that is over the age of 18 and earn a minimum of R1500 per month, then you are welcome to apply for a long term or payday loan with us.

You will need to provide proof of your residential address and have a bank account into which your salary is deposited each month.

It’s important to note that Loan Detector SA is an independent firm and therefore has no affiliation with any other.

Services – Loan Detector SA

We keep mentioning our service package, but we haven’t explained what’s in it! Loan Detector SA has essentially structured a package that offers a bouquet of paralegal services for your convenience.

Your first month will cost you just R399.00 in subscription fees and R99.00 per month thereafter for the remaining 11 months. Our service package affords you the opportunity to enjoy a number of personal loan benefits. Still unsure? Take a look for yourself!

Professional advice assistance

A service package’s telephonic advice service comprises a number of advice assistance services to suit your every need 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 just a few to mention. You’ll even receive a complimentary loan finding service to use for the duration of your package upon registering for one.

Reliable and tailor-made loan options

As for our reliable and tailored personal and payday loan options, we have a number in our arsenal to equip you with when the need arises. We have secured loans for cash emergencies, unsecured loans for those who don’t have any collateral to offer and still require funds in a lump sum.

We offer bonds also known as mortgages, which you can take out with us should you wish to buy a new home. Then there’s also your traditional personal loan that you can apply for that you could ultimately use for anything, from a medical emergency to children’s varsity tuition or simply go on a family holiday!

You can also expect to be serviced by us through vehicle finance, bridging finance and even debt consolidation for sorting out your debt as opposed to actually purchase or spending on something new. 


Summary of Services

  • PAYDAY Loans
  • LEGAL Services


Loan Detector SA - Superior loan finding services

Load Detector SA ensures you know all there is to know when taking out a loan

The minimum period you can expect to repay a loan over is 3 months, while the maximum offered is 60 months and you can apply by completing our online loan application.

Implications of late payment of a loan

If for any reason, whether unforeseen or not, you happen to miss the payment date, you will be held responsible for the interest charges on any late payments. By approaching Loan Detector SA upon having granted you a loan, and they have considered your loan and seen that you are potentially unable to afford to repay it, they will assist to try and find a suitable solution which may include rescheduling of the loan.

If you fail to adhere to the requirements of the arrangement, then your profile will be handed over to the attorneys. They then introduce the legal side in order to collect the accounts outstanding money. Be prepared to pay for interest and legal costs in such instances, also bear in mind that it could negatively impact any chance of obtaining future credit.

Consequences for non-payment of a loan

When you miss a payment altogether on your loan, you are in danger of your credit worthiness being judged quite harshly by other banks and online loan providers. There will, of course, be a reason from your side for the non-payment, but Loan Detector SA will need to report the loan in arrears after a few unsuccessful attempts at recovering the instalment. Your credit history is then affected.

Service fees of a credit provider

When a credit agreement is drawn up there is a fee that is incurred for the service provided. It’s basically for administering and furthermore, maintaining the credit agreement.

The financial service provider can opt to charge this fee to you per month or per annum, it’s their prerogative. The NCR regulates all service fees such as by specifying the maximum fees that can be legally charged, therefore there’s no need to concern yourself with being overcharged with us!

The APR (Annual Percentage Rate)

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


Customer Reviews & Testimonials

 Contact Details

N Bank Ln, Century City, Cape Town, Western Cape, 7441, South Africa
Ph: 0860 021 022
Fx: 086 592 1004
Em: info@ldsa.co.za

 Postal Address

PO Box 569, Century City, 7446, 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 –