Rating based on 1,671 reviews


Temba Cash loans

image of Temba Cash loans

About – Temba Cash loans

Temba Cash Loans have helped thousands of South Africans’ by granting them loans and helping them alleviate their financial burden.

We customise our instant cash loans to suit your specific needs and budget.

This is not a package deal loan that promises a lot of value but gives you benefits that you may not even need or really want. 

Striving for success

Our commitment to success enables us to treat our clients with dignity and respect while listening to their needs and providing support, information and expert advice when taking out a personal loan.

We believe that you as the customer are the most important part of our business and we will make sure that your experience with us is a pleasant one.

We believe in complete transparency in all our dealings with our clients and strive to make you a customer for life.

Why choose Temba?

If you are having difficulty managing your money or you have encountered an unforeseen emergency expense and need cash fast to help you deal with a difficult situation or account that has been handed over to lawyers then our service is perfect for you.

Our service is guaranteed to be fast, effective and efficient. Our interest rates are very competitive and our repayment plan is easy to manage

Services – Temba Cash loans

Our service is so fast and easy to use. Simply visit one of our lender offices or give us a call and we will help you through the application process via the telephone.

We will ask you to provide your details, and then check your level of affordability. You will have an answer within minutes if you qualify or not.

Quick cash loans

Our quick cash loan service gives you access to cash in a hurry. These loans are typically unsecured loans, meaning you do not have to put up collateral to ensure that you pay the loan back. We will use the same process for a credit check to make sure you qualify.

We will check your level of affordability and make sure taking a loan will not adversely affect your financial future. With this type of the loan, the interest rate is usually higher. You will be able to choose how much you would like to borrow and how long you will need to pay back the loan.

Payday loans

These loans are called payday loans because the money you lend will need to be paid back in one lump sum on your next payday. These types of loans are gaining popularity in South Africa, especially as people can’t make it through the month with their paycheck due to economic circumstances.

These types of bad credit loans are quite dangerous, as you needed to take a loan to make needs meet. The next month you need to pay back the loan as well as the interest that is added. This can lead you into a cycle of debt. This vicious circle keeps you dependent on taking loans every month and keeps you in debt for longer. 


Summary of Services

  • PAYDAY Loans
  • BAD CREDIT Loans
  • CASH Loans
  • ONLINE Loans
  • INSTANT Loans


We have the loan options to suit your pocket

If your credit check determines that you have a bad credit score and you have been refused a traditional loan. There are still options available to you. Lenders will not grant you an unsecured loan as they are afraid you will not be able to pay the loan back. In this case, a secured blacklisted loan could be an option for you.

Secured loan

A secured loan works by you putting up an asset as collateral for your loan. In this case, if you are unable to pay back the loan the asset will then be taken by the lender as payment for the loan. You could use your house car or anything of worth such as jewellery to secure your loan.

Payday loans

These loans are called payday loans because the money you lend will need to be paid back in one lump sum on your next payday. These types of loans are gaining popularity in South Africa, especially as people can’t make it through the month with their paycheck due to economic circumstances.

These types of short-term loans are quite dangerous, as you needed to take a loan to make needs meet. The next month you need to pay back the loan as well as the interest that is added. This can lead you into a cycle of debt. This vicious circle keeps you dependent on taking loans every month and keeps you in debt for longer. 

Loan agreement

If you qualify, we will ask you to sign the loan agreement and provide supporting documents. Once you have signed the agreement and agreed to the terms and conditions we will transfer the money directly into your bank account. How quickly you get the cash will depend on your bank, but you are guaranteed to have the money within 24hours after completing the online loan application and being approved.

What are the risks?

Most people only take a secured loan once they have been denied an unsecured loan, due to a bad credit score. By risking your asset you will end up losing it, in the event that you are unable to pay back the loan.

If you are already under financial strain and list your car as an asset and are unable to pay and the lender takes your car. You will be unable to get to work, this could cause you to lose your job and end up in a worse position that you were in before. This is a very risky type of loan and should only be considered once all other options have been exhausted.

Borrowing with a cosigner 

Another option available is to ask someone to cosign for the loan with you. You and your cosigner would apply for the loan together and share the responsibility of paying back the loan. The person you choose to cosign should have a good credit score so that they will be granted an unsecured loan.

This option is sometimes difficult because you are already a high-risk client. The cosigner will be held responsible for the debt should you not be able to pay back the personal loan so you would need to convince the cosigner to take a risk on you.  Even in the event that you become sick, or disabled, the cosigner would still be responsible for your debt.

 


Customer Reviews & Testimonials

 Contact Details

Flecker Rd, Orkney, Klerksdorp, North West, 2571, South Africa
Ph: 018 473 2977

 Opening Hours

  • Monday 08:30 – 17:30
  • Tuesday 08:30 – 17:30
  • Wednesday 08:30 – 17:30
  • Thursday 08:30 – 17:30
  • Friday 09:00 – 17:30
  • Saturday 09:30 – 13:00
  • Sunday Closed –