Personal Loans offered by New Heights Finance

New Heights Finance Solutions is a bridging finance service for personal or business loans.

Our services cover, unsecured business loans, personal loans, pension bridging, provident fund bridging, home sellers bridging, property equity release, purchase order advances as well as many others.

Personal loans

Our personal loan service gives you the opportunity to apply for a loan ranging from R4 000 up tom R150 000. Unfortunately, we will not be able to assist you, should you have any credit issues.

Loan conditions for approval

• You must not have any credit issues and your credit record should be 100% clear
• You cannot be listed on the credit bureau listings
• You need to consent to a credit check
• You may not be above the age of 65
• You must earn at least R3, 000 per month and be permanently employed 
• If you are self-employed – you will need to provide an employment record/ bank statement and pay advice.
• You must agree to receive marketing material, but may opt out at a later stage
• Your loan repayments must be paid by EFT into the same account as your salary is paid into

Information we need to process your application

Once you are sure you meet all the necessary criteria, it is as easy as filling in our online loan application form. Once this has been completed one of our personal loan consultants will contact you.

We will need your name, surname, ID number, cell phone number and a working e-mail address. You will need to consent to a credit check by accepting the terms and conditions.

If you have any queries during the application process, please e-mail us at feedback@journeybeyond.co.za

Our unsecured business loans are perfect for SME, SMME funding, company funding or small businesses. Your business must have been operational for at least 6 months and have sales of R1 million in the last 12 months.

Our business loans range from R 50 000 to as much as R1, 5 million.  These loans are unsecured there is a 3-day approval process and we aim to have the funds available to you as quickly as possible.

Property bridging

Our property bridging loans covers a wide variety of options including seller proceeds bridging, estate agents commission bridging, loans against your property, rates and tax advances, transfer duties advance, further bond bridging and switch bond bridging.

Sell and receive

Once you have sold an asset, such as your house, the money can sometimes take a while before you are able to access it. In this type of loan, we will give your money now so you don’t need to wait. We will be able to lend you up to 80% of the proceeds of the sale and we aim to have the money available to you within 24 hours after the sale of the asset has been completed. We will be able to give you the cash you need now until the funds from selling your house are available in your bank account. Terms and conditions apply.

Loose asset bridging

When you are in need of cash quickly you can use one of your loose assets to secure your loan. These assets refer to assets that can be sold, non-property assets, for example, jewellery, excess stock, cars, trucks, bikes, tools and machinery. These must have the value of at least R 75 000 up to R 50 million.

These personal loans are referred to as asset back lending or asset-backed loans and can be approved within a few days. We will then convert your asset in question into cash value. Your assets will the property of the lender until your loan amount has been repaid in full. The lender will store the asset in a secure location and charge a 10% per month fee as well as an initial initiation fee.