ABSA Express Loan

If you need extra cash then the ABSA Express Loan is for you, the ABSA Express Loan is a short term loan from R1 500 up to R8 000 over a repayment term of 1, 3 or 6 months.

How to qualify for ABSA Express Loan

  • Need to access between R1 500 and R8 000
  • Want a short-term loan payable over 1, 3 or 6 months
  • Earn a minimum income of R1 500 per month
  • Have a bank account into which your salary is deposited
  • Are a South African citizen
  • Have proof of your current residential address, such as a municipality or rates bill

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ABSA Express Loan
ABSA Express Loan

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ABSA Revolving Loan

If you are an ABSA customer and you are earning R 8000 or even more a month then you qualify for a Revolving Loan from ABSA.

Revolving Loan is an ongoing or ‘open’ loan facility for an agreed amount. Provided a minimum of 15% of the approved loan has been repaid, you can re-borrow back to the approved limit without affecting your monthly repayments. This means that you can access the available funds whenever you need them, without having to reapply each time.

Revolving Loan could be the right choice if you:

  • Would like ongoing access to a loan of R15 000 or more
  • Do not want to have to reapply each time you withdraw funds
  • Would like fixed monthly repayments that do not fluctuate with changes in the prime rate
  • Are a South African citizen or permanent resident, 18 years or older, with a valid identity document
  • Earn a minimum monthly income of R8 000

ABSA Revolving Loan contact details: 0860 100 372

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ABSA Revolving Loan
ABSA Revolving Loan

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FNB Loans

FNB offers great loans to their customers who have a cheque account with them, all loans from fnb have their cons and pros so we are going to go some of the different loans that they offer so that you can see the differences between each one and hopefully this will help you decide which one suits your needs the best.

    • Overdraft – If you’re looking for a short term loan from FNB then an overdraft would probably be perfect for you. This gives you a lot of financial flexibility since you’ll still be able to pay for things even if you have nothing in your account. Each customer can choose how much they want to set their overdraft limit to, so it’s up to you to choose (as long as you qualify for it). It’s completely free to add an overdraft to your account, so if you don’t use it you won’t have to pay anything for it. If you do use it, you’ll only pay the monthly fee if you use R 200 or more of your overdraft. There’s no minimum monthly repayment either so you can take your time paying it off if you want.
    • Revolving Loan – A revolving loan is basically a loan that will give you access to the money that you’ve already paid back to FNB. As long as you’ve paid back at least 15% of the loan you’ll be able to borrow it again if you want. There’s also no set term on a revolving loan from FNB so it’s totally up to you to decide when the loan will be paid back. The monthly fee is quite low too, since you only pay R 40 a month if you use the facility. Once again, there are no extra charges on this type of loan unless you actually use it.
  • Temporary Loan – As the name may suggest, this is a relatively short term loan that FNB offer. When you apply for the loan you’ll be given an initiation fee based on the level of risk that FNB see you as. If you have a good credit history then you shouldn’t be charged too much, while if your credit history is quite poor then you’ll be charged more. One of the best features about the temporary loan from FNB is that if you pay back the money that you borrowed (as well as the initiation fee) within 31 days then you won’t have to pay any interest at all. Not only this, but once you qualify for the loan the money will be paid in to your account immediately so you won’t have to wait days or even weeks to receive the money that you need.

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FNB Loans
FNB Loans

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FNB EasyLoan

FNB EasyLoan is for the unexpected or unplanned financial expenses, easyloan is from R250 up to R60 000 which is paid into your account within 10 minutes upon approval.

FNB EasyLoan Documents required

  • A Valid South African ID or Passport
  • One month payslip if you are paid monthly or two for fortnightly or four for weekly paid
  • 3 months bank statement for non-FNB customers
  • Proof of employment for 6 months

FNB EasyLoan Qualification Criteria

  • Must between 18 and 63 years
  • Must have an active bank account of at least 3 months
  • If you have more than R750 left after paying all your bills, you can apply for a personal loan

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FNB EasyLoan
FNB EasyLoan

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FNB Temporary Personal Loan

If you have a Personal Cheque Account or a Smart Account from FNB then you can apply for a Temporary Personal from FNB, the money will be credited to your account instantly if you qualify, should you repay the total loan, or outstanding balance within 31 days, you don’t pay any interest.

FNB Temporary Personal Loan Pricing

    • Each personal loan is priced to take into account your unique circumstances

FNB Temporary Personal Loan Documents required

  • Valid South African green bar coded ID or passport
  • 1 month’s payslip if you are paid monthly/ two for fortnightly paid/ four for weekly paid
  • 3 months bank statement for non-FNB customers
  • Proof that you have been employed for at least 6 months

FNB Temporary Personal Loan Qualification criteria

  • Aged between 18 and 63 years old
  • Have an active bank account for at least 3 months
  • If you have more than R750 left after paying all your bills, you can apply for a personal loan

FNB Contact Details: 0861 40 40 40

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FNB Temporary Personal Loan
FNB Temporary Personal Loan

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Nedbank Student Finance

Don’t let financial problems get in your to getting your degree, get rid of all the financial problems with the Nedbank Student Finance you can pay for your fees, books and accommodation as well.

A Nedbank Student Loan gives prospective students and parents peace of mind and a sense of financial security knowing that funds are available for further studies

Your Nedbank Student Loan will cover costs for:

  • Tuition fees
  • Accommodation
  • Books
  • Study-related equipment

Your student loan contract will be subject to:

  • A once-off administration fee
  • A monthly debit order to pay back the interest on the loan amount borrowed.
  • Reapplication for each year of registration (a student loan is granted for a specific year of study)

Features

The benefits of the product include:

  • Competitive interest rates and flexible repayment terms, during and after completion of studies
  • Grace periods for students who have to complete internships, community service or articles to qualify in their field of study
  • Competitive Nedbank credit life cover for death or disability
  • Click here for more information

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Nedbank Student Finance
Nedbank Student Finance

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Nedbank Personal Loans

Pay your debt and add an advance to your salary with the Nedbank Personal Loan which is offered in just 3 easy steps:

1. Apply online, on the phone or in a branch. 2. They will check that you qualify. and 3. They pay in cash, directly into your account.

WHAT DO YOU GET?
  • A CASH DEPOSIT OF R1 000 TO R120 000 IN YOUR SALARY ACCOUNT*
  • A FLEXIBLE REPAYMENT PERIOD OF 12, 24, 36, 48, OR 60 MONTHS.
  • REPAYMENTS DEBITED DIRECTLY FROM YOUR ACCOUNT.

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Nedbank Personal Loans
Nedbank Personal Loans

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Wesbank Personal Loans

Wesbank has partnered with DirectAxis to offer you CashPower personal loans in the quickest most convenient way.

Five reasons to choose a CashPower Personal Loan
  • Your loan repayments remain fixed for the whole term of your loan. Even if the interest rate goes up, it won’t affect you.
  • You can choose the loan amount and the repayment period to suit your needs and budget.
  • Our loan processes are straightforward and streamlined with no unnecessary paperwork or face-to-face interviews.
  • For your peace of mind you can safeguard your family and your future with our Customer Protection Plan.

Your final loan amount will be based on your personal financial profile and subject to credit approval. CashPower Personal Loans are administered and managed by Direct Axis (SA) (Pty) Ltd, an authorised Financial Services Provider. Loans are subject to the National Credit Act No. 34 of 2005. All loan applications are considered and are subject to credit approval.

Customer Protection Plan

WesBank’s Customer Protection Plan settles your outstanding loan balance in the event of your death, permanent disability or certain dread diseases. It also provides limited cover in the event of temporary disability and retrenchment.

Of course, you’re free to substitute the Personal Protection Plan with a policy of your choice, providing the cover offered is equivalent.

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Wesbank Personal Loans
Wesbank Personal Loans

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Elite Personal Loans

Elite Group offers Elite Personal Loans that are made for individuals, Elite Personal loans are in essence short term in nature i.e. one to six months repayment on a loan amount of between R300 and R 8 000.00.

Lending Process

Documentation required at Front offices:

  • Application Document
  • Credit check and Registration
  • Process of loan
  • Activation of electronic payment system / Salary deduction
  • Electronic payment to client

Call Centre Facility

The whole lending process is done through voice logging and is completed within three minutes. Transfer of funds to a successful applicants account is done within minutes.

The Call Centre provides an organisation and its staff the following benefits:
Staff:

  • Easy Access to responsible credit
  • A solution for a nagative credit record
  • Protecting employees from high cost lenders and debt trapping
  • Security of the transaction
  • No geographical contrains
  • Financial education

Orginisations:

  • Full financial control
  • Increase in productivity – no need for employee to leave place of work
  • No administration hassles – repayment done through Elite’s electronic debit order system
  • Legal system, integrated with the legislator and in-line with the new credit bill
  • Cost effictive

Incremental Loans

Incremental loans aim to address housing finance needs of the housing market that have an ability to contribute financially to housing costs but to whom bank-funded housing finance is not readily available.

The lives of more than one million people have been improved through these loans but it is believed that there is an endless demand for assistance.

Incremental loans are offered to home owners who wish to build homes on an incremental basis by extending or improving existing property. These loans are for instance extended to add a room, install a geyser, enhance security or to effect any improvement that increase the value of the house.

These loans are targeted to the low- to moderate-income housing market.

Loan amounts range between R3000 and R20000 with a repayment period of between 10 and 36 months.

Qualifying criteria

  • The minimum condition for an applicant is:
  • income between R 2 500.00 and R 7 500.00 per month
  • able to prove two years of continuous employment
  • ability to service the loan
  • older than 21 years of age and a South African citizen

Elite Branded Card

The Elite Card completes the circle of loan services that Elite offers

Elite offers all its clients a fully fledge debit card linked to master card and utilizes a close looped card for all clients qualifying for incremental loans. To ensure that money approved for incremental purposes are only utilized for home improvements and or education, providers are pre-selected and the card is accepted only at these pre approved suppliers of products and services.

Over an above the normal benefits associated with card, clients receives all bank services free of charge.

Call Centre Facility

The Elite call centre is a unique concept in financial services and the only one in South Africa.

The Elite call centre will not only service the micro lending side of business but will aslo administer product support and information inquiries from all other clients.

The call centre improves Elite’s operations and reduces costs, while providing a standardized, streamlined uniform service.

Information Systems

Micro Lending Administration Program (MLAS)

The micro lending program has evolved with the industry twelve years ago. Our software package is used by more than 230 outlets nationwide and is well equipped to support the industry at large.

The program is data base structured, user friendly and complies with GAAP (General Accepted Accounting Practice) and the New Credit Act.

Integration into the National Loan Register, required by the National Credit Regulator, is done via CPB (Consumer Profile Bureau) and Compuscan.

The various payment methods that can be processed through the program are: NuPay, Alpps, Electronic deductions, such as debit orders or Salary deductions, as well as Cash receivable.

There is a variety of reports available, of which a popular one is the Daily Statistics report. This report gives an accurate glance of the state of affairs of the business at any time of the month to date.

Our support team consists not only of a Call Centre, but also technical staff who can help resolve most of the IT problems experienced in the micro lending industry. There’s also an off-site backup facility available to all users of the program.

Financial Training

As part of the group’s services we offer basic financial training:

Basic money guide for South Africa:

  • Available in various official languages
  • Approved by the Financial Services Board
  • More than 71 training staff member
  • Certificate of competence issued on successful completion
  • Vital for future economic stability
  • Widespread footprint all provinces serviced
  • Branding options

Contents of money guide:

  • How to budget
  • How to make the most of your money
  • How to operate an ATM card
  • Dangers of the debt spiral
  • Value of planning and education
  • Avoiding debtInsurance

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Elite Personal Loans
Elite Personal Loans

Looking for a personal loan that suit you? find a lender at Loans 4 Real People