Rating based on 55 reviews


  • Quick loans up to R500,000
  • Low-interest starting from 36%
  • Repayment up to 36 months

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Author Xcelsior. Screenshot of Xcelsior website.
[Accessed January 30, 2023]

Xcelsior - the loan provider of choice

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.

Loan amounts up to R500 000

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.


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.

Xcelsior – Quick loan

  • Loan Type Quick loans
  • Interest Rate 3660% p/a
  • Loan Amount up to R500,000
  • Repayment 2 months to 36 months

Benefits of Xcelsior

  • Loans are paid out on the same day
  • Apply for a loan in 3 easy steps 
  • Get cash in 30 minutes

Quick loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This quick loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Xcelsior gives you wings and helps you and your dreams get off the ground

In South Africa, anyone can be privy to the shortcomings in the economy and the challenges that are faced daily by the individuals in this country.

Obtaining credit has become increasingly difficult due to stricter regulations and that isn’t assisting those who are a part of the struggle. How does one climb out of the hole they dug themselves without some form of a lifeline? That’s why they've been chosen as the beneficial option for you if you've been turned away by traditional funding institutions.

Their loans are secured

Xcelsior will provide quick loans to those that can put up security in the form of a motor vehicle. In fact, they even take sports vehicles, such as jet skis!  

The vehicle that you put up as collateral will be stored in a secure facility and shall be returned to you upon settlement of the loan. This is a far better idea than having to sell your asset in order to have access to money when you need it fast.

If you’re struggling to repay them, they'll assist with the sale of your asset in order to settle the loan. They have vehicle traders that they deal with and they'll facilitate this sale.

In doing this, you aren’t accruing any further debt in your life. Something other online lenders don’t do, which they’re proud to offer as a benefit through Xcelsior, is that any surplus on the sale, in the event of this scenario arising, will be paid to you.

Any client is welcome to apply for an instant loan, no matter your financial status.

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Xcelsior is a trusted & reliable provider of quick loans

In our review, Xcelsior adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ Xcelsior is a registered credit provider in South Africa: NCRCP 4752

Customer Reviews & Testimonials

March 2018

They focus on customers and clients and ensure that satisfaction is reached.

Obakeng M
— Pretoria —

January 2019

It was a rewarding experience to get my loan from Xcelsior.

Jessica R
— Johannesburg —

November 2018

You get your money quick, just when you need it.

Talia G
— Durban —

Xcelsior Contact

Physical Address

  • 2, Villebois Office Park De Villebois, Moreletapark Pretoria Gauteng 0044 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday 08:00 – 12:00
  • Sunday – Closed