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

Real People Loans

Real People Finance offers financial services and cell phone contract for South Africans, Real People offer personal loans and loans for improving your home.

They partner with you on your journey through life. They are a purpose-led organisation that recognizes the unique challenges and opportunities people face in their lives. They share their expertise to create brighter futures, through the responsible provision of financial services and products. They drive financial wellness, and are a platform for growth, sustainability and improvement.

A home is a place to relax and unwind, share precious moments with family and should reflect your unique taste and personality. Everything you want in your home can now become a reality! Real People have developed a home improvement loan which helps you to make the improvements that you want. You can use your loan to make home improvements of your choice, for example, buying building material which includes, but is not limited to:

  • Bricks and Cement
  • Roofing material
  • Plumbing Material
  • Doors and window frames
  • Fencing and burglar gates
  • Any materials you might need to make alterations or improvements to your home

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Real People Loans
Real People Loans

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

FNB Revolving Personal Loan

These types of FNB Loans are basically loans that will get you access to cash you have already repaid back to FNB and is usually 15% of the repayment that is required to be paid in order to re-borrow from FNB again. FNB Revolving Loans do not have a set term so you can decide when you want to pay it back. FNB Revolving Loans are charged R40 a month and there are no extra charges on this type of loan unless you use it.

What the Revolving Loan offers me:

  • Fixed monthly repayments making it easier for you to budget
  • Fixed repayment term and the loan is available to you for as long as you need it.
  • Ability to access the funds at any time, provided you have paid up to 15% of the revolving loan
  • Optional Debt Protection available in case of your death or permanent disability

What this allows me to do:

  • Once you have re-paid 15% of the revolving loan, you have access to these funds
  • Set up monthly debit orders to repay the loan
  • You only pay a minimal monthly fee when you use the loan
  • Transfer funds from your revolving loan to your Personal Cheque Account via ATMs, Cellphone Banking, Telephone Banking, Online Banking and the FNB Banking App

Ways to apply

  1.  Apply Online
  2.  Complete the call me back form

What documents do I need?

  • Green bar-coded South African ID
  • Recent payslip
  • Proof of residence
  • Spousal consent (if married in community of property)

Problems / Queries

Revolving Loan queries

0860 327 827

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Debt Consolidation Loan
Get your Loan Now
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Consolidate your loans today

FNB Revolving Personal Loan
FNB Revolving Personal Loan

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