Rating based on 1,420 reviews
About – SA Cash Loans
SA Cash Loans is a proudly South African company and our main goal is to help citizens access bad credit personal loans in their time of need.
Customers can apply to borrow up to R150 000 for up to 60 months. Our job is to find you the best loan offer available. When you complete one simple loan application you will be given access to all the lenders available in our network.
No more waiting
This gives your loan application a better chance of being approved without causing any damage to your credit score.
Complete the application form online and find out in minutes if you are approved. There is no need to wait, no waiting in queues to see a consultant, no waiting for days to find out if your short-term loan application was successful and no waiting for your cash.
Free to apply with no hidden fees
There are no package deals with us. We will find you the loan that you are looking for with no hidden fees and no need to sign up for membership or other added services.
If you like the quote that we send you simply accept it, if you don’t, there is absolutely no obligation to proceed.
Problems and troubleshooting
If you are having a problem completing the online bad credit loan application form or if you would like to clarify something, our friendly experts are there to assist you and are only a phone call away. If you prefer you can send us an email and we will contact you to resolve your query.
Services – SA Cash Loans
It is very simple to apply for a loan through our service. You will need to meet certain lending criteria and complete the application that is available on our website.
Lending criteria are as follows:
- You need to be between the ages of 18 to 65
- You need to have a stable income and be employed for more than 3 months
- You need to earn at least R3 000 per month
- You will need to be a South African citizen and have an active bank account in your name
If you meet these qualifications then you are more than welcome to apply.
If your application is declined
We will do everything in our power to find you the personal loan for bad credit that you are looking for but in some cases, your loan application may be declined.
- If you are currently under dent review or if you are receiving debt counselling or debt review
- If you currently have outstanding judgements or defaults listed against your name
- If any of your current account or loans are outstanding
In the event that your application is declined then we will send you a copy of your credit report so you can see why and try to rectify the situation. If there is an incorrect entry listed then you will need to contact the Credit Bureau to have it corrected.
Some companies may have you as blacklisted even though you have since paid off your debt, in this case you can contact the company directly to have the account removed from the blacklist.
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Summary of Services
- Bad Credit Loans
- Personal Loans
- Short-term Loans
- Payday Loans
Quick cash loans
Most people apply for a loan when they are in desperate need of cash in a big hurry, this makes them careless and causes them to accept the first offer that they receive because the will agree to anything to have the cash as quickly as possible.
Many lenders know this and take advantage of this fact. They inflate their instant cash loans interest rates and make the loans less affordable than a normal personal loan.
Lending you exactly how much you need
It is important to shop around for the loan that you are looking for, with our service we will connect you to all the lenders in our network and help you receive a loan of between R1 000 and R150 000. The amount you qualify for will depend on your individual circumstances.
Making sure a loan is in your best interest
Responsible lending is very important to us we need to make sure that a bad credit personal loan is in your best interest and won’t force you into a debt trap.
To check your level of affordability we will ask you to consent to a credit check. We will verify your personal details and look at your current expenses then determine if you will be able to afford the loan.
If you are currently self-employed we will not be able to assist you.
Easily customized repayment terms
The repayment terms on our lows can be customized to suit your budget and your financial circumstances. Chose between 6 and 60 months to repay your loan depending on how much you borrow.
Our loan finding service is different because we find you the money you need without you having to pay membership fees or sign up for other benefits that you may not need.
We don’t offer all the extra frills or fuss, just quick cash loans when you need it most. To apply is 100% free so you have nothing to lose and the cash you need to gain.
Customer Reviews & Testimonials
SA Cash Loans has a fast and effective customer service that always ensures that the client is given the best credit resources.
— Springs —
SA Cash Loans has some of the best credit offers because they consider all the financial situations of their customers.
— Cape Town —
If you looking for great benefits on your loan, SA Cash Loan is your go-to credit provider because they always ensure that you get the most out of your credit offer.
— Mafikeng —
SA Cash Loans has such a convenient system for customers when they are applying for credit.
— Western Cape —