Rating based on 94 reviews

Xcelsior Loans

  • Short-term loans up to R500,000
  • 30-minute loans
  • Repayment up to 36 months

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

Xcelcior Loans – South Africa's lender of choice

Xcelsior loans are an exclusive retained registered credit provider in South Africa. With a business that has been in operation for 15 years, Xcelsior has been a credit service provider of choice.

Seeing that Xcelsior is a credit service provider that goes above and beyond to ensure that you're well taken care of in terms of their short-term loans, it's not surprising that clients have relied on Xcelsior for a number of years.

High demand

With the core focus on ensuring that great customer service is met, Xcelsior loans have remained in the core hearts of clients who've been under financial strain.

Seeing that payday loans have gained so much popularity and clients are making Xcelsior loans a credit service provider of choice, expanding the organisation is an idea that's been in the mind of Xcelsior management.

As a result of this, Xcelsior loans have the probability of being one of the leading credit service providers.

When you know how to take care of your clients, your customers will reward you by being loyal to the brand.

Doing things a little different

Although Xcelsior doesn’t require credibility from you during your online loan applications phase, they do require a form of vehicle that will be used as security during the time of your loan.

Should you not be capable of repaying your loan on time, the vehicle will then serve as compensation in the event of you failing to pay back the loan.

Use your assets as security and get a loan faster

Unlike most credit service providers that offer loans on the basis of passing their credit applications, Xcelsior does things slightly differently.

Although the end goal is for you to receive the financing, the process is different. They take any form of vehicle such as cars, SUVs, bakkies, trucks, motorbikes, caravans and motorised sports vehicles such as jet skis.

Vehicles as security

The amount of the loan will be determined in terms of the assets you put on offer. The reason they accept vehicles is that they know that you might not be credible as far as the South African laws and regulations have deemed them. Therefore, they put their head on the block to help you help yourself.

Blacklisted clients

Since they don't seek any credibility assessments from you, they welcome blacklisted clients to apply for the Xcelsior loan. A blacklisted client is just like any other law-abiding citizen and should be given the same amount of respect and consideration as any other client. They do this by offering loans for bad credit to you. 


When you've created a great working relationship with them, you're making it easier for them to consider your next short-term loan application. On the other hand, should you not fulfil your financial obligations, it might be difficult for them to show you mercy. The relationship between a client and a credit service provider can only be made stronger if both parties are working together to achieve better and quicker results. That said, all the clients that are already present members of Xcelsior will obtain a 10% discount on interest on their following advance.

Xcelsior – Short-term loan

  • Loan Type Short-term loans
  • Loan Amount up to R500,000
  • Repayment 2 months to 36 months
  • Decision 30 minutes

Benefits of Xcelsior

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

Short-term loan calculator

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

Xcelcior loans - Get your short term loan today

The loan model has been designed in such a way that they try to ensure that nobody loses.

Should you not be able to repay the loan on time, the vehicle that was given to Excelsior as security will be used to pay your debt. The vehicles are sold to vehicle agents that'll give them a price that's close enough to the amount of money that was indebted to you. This way, Xcelsior gets the money that was lent to you and you retain a good credit record because you technically “paid” your personal loan back.


You need to go to their offices and arrange an appointment with one of their agents. Alternatively, the agent can apply online via a loan application should he not want to go the official route.


An assessment will be done on the basis of the vehicles that you have come with. They have to be assessed in order for the agent to calculate the amount of loan you qualify for depending on the number of vehicles you have brought in and the quality of the vehicles. You can get up to 50% of what the vehicles are worth.


Should you be in a position of qualifying for the bad credit loan, the amount that both parties have agreed on will be deposited into your bank account.

Storage vehicle

Your vehicles are stored in a secured place that boasts 24-hour security and gates surrounding the area. The vehicle is in safe hands and will not be used until you repay the loans or until you fail to repay the loan leading to the vehicle being sold.


However, you may wish to repay the short-term loan entirely and this is solely up to you. There are two options that have been made available to suit your needs and financial expectations. There are monthly instalments and a once-off payment that is available as a means of repaying back the credit.

man holding thumbs up

Xcelsior is a trusted & reliable provider of short-term 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: NCRCP4752

Customer Reviews & Testimonials

January 2019

With a poor credit record I thought I would never get the loan that I needed to finish refurbishing my kitchen. This was until I came across Xcelsior. At Xcelsior I was able to use my vehicle as ...

Danelle B
— Durban —

September 2018

Xcelsior takes care of their customers and ensures that their deals are the best in the game. This is now the second loan that I am taking out with them and I am receiving wonderful discounts as ...

Daniel D
— Sasolburg —

June 2018

Their employees are professional and efficient. I had a few questions that I needed straightened out before I would sign my contract and they were thoroughly answered. Thank your staff for the wo...

Tayla J
— Virginia —

Xcelsior Contact

Physical Address

  • 2, Villebois Office Park De Villebois 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