Rating based on 1,369 reviews
About – SA Cash Loans
What is an unsecured loan you ask? It’s a loan whereby one is not obliged to offer any surety or collateral, due most likely to not have any in place.
Our loans are applied for completely online by merely completing an online loan application form.
Loans to suit your budget
You can apply for a loan of up to R150, 000, starting as low as R1000 if you don’t need such a large amount. Our repayment terms will also suit your budget and circumstance, as we offer periods of 6 months up to 60 months.
We are fully transparent, as in we don’t have any hidden costs or brokerage fees that might creep in during the process. You are also aware of what you’re liable for monthly when you take out a payday loan with SA Cash loans. To top all of that, our service is also 100% free of charge to all applicants!
Unsecured cash loans
So, with no assets being required to be attached to your cash loan, applications are far more secure when you take out the loan.
We are partnered with multiple credit providers and this enables us to negotiate favourable interest rates for you. As soon as your quick cash loan application has been submitted, we will submit it to our panel of credit providers on your behalf.
Sound good? Then please contact us! If you have any queries, our dedicated team is standing by to assist you with any queries on 0212021679, or simply email us at firstname.lastname@example.org. We also have a Contact Us page on our website for your convenience.
Services – SA Cash Loans
Depending on your credit profile at the credit bureau, will depend on the amount that you qualify for when it comes to your cash loan.
You can obtain an instant loan amount between R1,000 and R150,000.
Quick loan feedback times
Simply complete the form, submit and let us do the rest! Once you have completed the application form and it’s before 16:00 on a business day, you can expect to receive feedback on your application the following business day via email.
However, due to us working through a number of available credit providers, process times and delays outside of our control, you can expect a little time delay in the process. As a result, we encourage our clients to allow up to five (5) business days.
Do you qualify?
All of our credit providers perform credit and affordability assessments, which basically means we take your income less your expenses and see what is left over to work with regarding debt repayments. We also assist self-employed applicants who are in the market for a personal loan.
When it comes to foreign applicants, our providers will also assist them, provide they are in possession of a valid South African ID document.
If you are a pensioner, however, we, unfortunately, cannot assist when applying for a payday loan. Reason being, our criteria are strict on needing to either be employed or self-employed.
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Summary of Services
- PAYDAY Loans
- SHORT-TERM Loans
- LONG-TERM Loans
SA Cash Loans - you can expect value-added services
South Africans can relish in the benefits that come with SA Cash loans
Almost all credit providers come with their own list of requirements, but across the board, you can expect these to be common:
- You need to older than 18 and younger than 65
- You must be full time employed at your current employer for at least three (3) months
- Your gross salary needs to be a minimum of R3,000 monthly
- You will be required to have your own bank account into where your salary is paid
If you meet all the above criteria, please bear in mind that there are still certain circumstances that could result in a loan application being rejected. Namely:
- You are currently under a debt review, debt administration or debt counselling
- You have judgments against you
- You are in arrears with some or any of your accounts
Lastly, it’s important to note that a cash loan is subject to the discretion of the credit provider.
Our repayment terms
This will be between six (6) and sixty (60) months, depending on the amount that you have borrowed, and the repayment value will be as per agreed upon in the contract between the borrower and lender of the loan application.
Nothing in life is a guarantee, and neither is our loan application approvals with any of our credit providers. Your credit profile will need to meet the minimum requirements set by the National Credit Act and are ultimately still at the discretion of the credit provider who may or may not offer bad credit loans.
Outcome and interest rates
As soon as the process has begun, and we have received the outcome of your short-term loan application, an experienced consultant will correspond with you and advise you of a list of documents required.
The interest rate you get is solely determined by the credit provider and should your loan application be successful, an agent will communicate with you and provide you with a detailed quotation.
Your monthly repayment is paid directly to the credit provider and there are no fees or any charges due to SA Cash Loans. Our loan application is online and completely free to applicants.
Track your application quickly and easily!
You can track your application by emailing us at email@example.com, or otherwise contacting us telephonically on 021 202 1679.
The terms of the payday loan are determined by the credit provider. They will be discussed with the applicant and credit provider in the agreement once the applicant qualifies for the cash loan.
Should your cash loan be successfully approved, and all required documentation has been received by us, you will receive the funds into your bank account of choice within 2 days!
Customer Reviews & Testimonials
SA Cash Loans was completely transparent which I really appreciate because I knew exactly what I was getting into from the beginning. Other lenders aren’t like this.
— Durban —
I heard back from SA Cash Loans the very next day about the outcome of my payday loan application. Really happy with how fast they are.
— Johannesburg —
I was happy to get some assistance with filling in my application. I think your customer service is outstanding!
— East London —