Xcelsior

Xcelsior cares about your finances. They're a privately-owned company and registered credit provider.

They host a team in their management department that comes with 15 years of expert experience in the loan sector of the financial industry in South Africa.

Thanks to the unique business model that Xcelsior operates through, they've become the provider of choice for fast loans, especially when it means compensating for the gap in the market where consumers are being neglected.

You're their main focus

Due to the nature of their infrastructure, they're driven by customer focus. They aim to take your needs, assess them and ensure that their products are based on the resolution of the problems that you face while meeting your financial requirements.

Their innate desire to expand on the personal loan sector will contribute to the success of this company where lending is concerned.

Use your assets to obtain a loan

As you may or may not know, they don’t ask for any credibility from you when you register for a loan with them.

They do however require collateral, and the collateral you provide will directly impact the amount that you're allowed to borrow. They accept collateral in the form of vehicles, so it’s easy for you to pre-determine your loan amount.

Affordability assessments? Nope, they don’t put you through this exercise. Their approach is more of a compassionate one, whereby they understand that everyone struggles in one way or another since most people tend to live beyond their means.

They don’t judge you on your poor credit record, even if you’re blacklisted they'll accept your application for a bad credit loan.

They take loans seriously! If you need one, they’ve got one for you. Xcelsior offers short-term loans in the shortest time possible.

Don’t believe them, simply apply – you can expect to see funds reflected in your account in 30 minutes.

Hassle-free loans

They don’t require any motivation for the loan request with regard to your intentions for the money they lend you. They’re a “No questions asked” kind of company and can assure you that if you’re blacklisted, they won’t turn you away.

Their personal loan offerings are from R5 000 to R500 000. That means that you can and will sort out your financial problems in a flash with access to funds that meet that sliding scale.

Rewards

They have another benefit that they offer, almost an incentive/referral-based policy, whereby a family member or friend that's made aware of them by yourself, you’ll receive 1% back on the approved amount.

If you’re an existing client, then you can receive 10% back on the interest on your second loan that you take out with them.

The application process

This is fast, efficient and the best part – paperless! When you apply for a loan, you'll receive the funds in your account within 45 minutes. They don’t go back and forth, they don’t request all kinds of tests and assessments, you basically tell them how much you need, they take your collateral into account and then they approve it.

This unique way in which they provide their quick loans to the citizens of South Africa is what makes them the best choice today for all your short-term credit. It’s also important to note that they're a registered credit provider, meaning they abide by all lending regulations.