LoanFinder SA assists to find personal loans for South Africans with poor credit with a Loan of up to R150,000. Contact Loanfinder SA for our two in one loan finding and legal advice service.Quick payouts, great service.Loan Finder SA offers an easy way for people to apply for a personal loan, but just completing the online application form which takes only a few minutes and through the information provided, they will contact you to discuss the options available to you.
Loan Finder SA truly offers a great service and we urge anyone looking for a personal loan, to look at them in more detail el free to complete the application form.
Contact Loansfinder SA
Tel:+27 21 815 4600
Physical address: PO Box 378, Capegate, Cape Town, Western Cape, 7562
Even if you’ve been turned down elsewhere, EC Finance offers loans up to R50 000 with same day loan approval 6 hours for loan application approval.If you fax the contract back, you could get your loan paid out on the same day.
All you need to apply for loan today is fill out our form accurately and fax it together and add pay slip with your ID and 2 of your newest bank statements and we will respond within 6 hours.
Apply for your personal cash loan with us. If you have any queries about our personal loans feel free to leave a message on our contact form, we can help you. Why not just give us a go and Apply Now
We offer a comprehensive and flexible financial cash loan range, specially tailored to meet the needs of all our clients.
We’ve have available a wide range of financial assistance options, consisting of products and services to you our customer. Including products to assist, blacklisted individuals with a bad credit rating.
Loan are paid same day
Once approved, your loan could be paid directly into your bank account within hours – that’s if it’s a weekday between 8:00 and 15:00. If it’s after 15:00 on a weekday, you will have money in your bank by breakfast (that’s if you eat breakfast at 8:00). On weekends or public holidays, your loan will be paid out early the very next working day.
Shoo! A bit of a mouthful – we know. If it were up to us, we’d pay the cash over instantly. Unfortunately, we’re at the mercy of the banks who like regular siestas and that sticky red tape. But do not fear, we’re working on them and hope to be able to pay you your loan 24/7, in an instant. We’ll keep you posted!
Mpowa Finance specialize in giving short term loans to disadvantaged people for example blacklisted people or people with bad credit. Apply before 1pm and you can have R500 to R2500 in your bank account by 5pm the same day with Mpowa Finance.
This is a short term finance solution designed for people who need cash as soon as possible. But the loans are renewable every month so you will always have cash in your account. The loan amount will be repaid in full on your payday by debit order. You automatically qualify for a new loan each month once your loan has been repaid.
Blacklisted clients are welcome as long as you are not under Administration Order or under Debt Review.
Contact MPOWA Finance
+27 (0)86 122 8228
SMD FLEXI CASH LOANS offers you financial assistances by offering affordable short term loans R200 all the way to R8000. We understand that in the mist of many unending financial obligations money can get tight one might need a financial boost, that is what we are here for, to give south Africans financial assistance by providing them with short term loans when they need them most.
SMD flexi cash loans, we are here in your financial needs, call us now
As long as you’re a legally employed South Africa, you can apply for a loan at SMD Flexi Cash Loans with no worries.
Cell) 082 963 1378/ 083 331 5126
At Letsatsi Finance & Loan we understand this and have endeavored to provide you with the ultimate solution.
We offer affordable financial products such as short and long term loans. With over 40 branches all over South Africa, and 13 years worth of experience, our professional staff is ready to assist, offering a quick and convenient key to those unexpected financial needs.
We have a variety of products on offer;
Short term loans
• 2 to 6 months
• Loans from R500 up to R8000
Long term loans
• 13, 24, 36 months
• Loans from R1000 up to R100 000
• 1 monthly installment
• Loans up to R100 000
• 1 to 36 months repayment period
• Loans up to R8 000
• 1 month repayment
With approvals within 1 hour, and other benefits such as same-day payouts and the option of having more than one loan at a time – this is a chance you have to take. Visit us on www.letsatsifinance.co.za
Bondpro aims to providing accessible loans and related financial services to those South African residential property owners who have been deprived of obtaining a facility to consolidate high interest bearing debt, an extension on a current home loan or a related facility through the formal banking sector.
In order to be the financial services provider of choice for these South African home owners, it is Bondpro’s mission to successfully unlock clients’ financial wealth within an environment of integrity, dignity, discipline and excellence of service.
Kagisano Loans is able to give loans from R3000 to R60,000 with a competitive interest rate and flexible repayment Period. Get all the things you want with a Kagisano loan and you can use a personal loan for just about anything you need and have a financial from improvements around the home, a well deserved holiday, or even consolidating your existing debts.
HomeChoice Holdings Limited is a leading direct marketer in consumer finance, offering retail and financial services to the rapidly expanding middle income market, through its subsidiaries HomeChoice and FinChoice.
Our Company HomeChoice – South Africa’s leading catalogue retailer Firmly established as the leading direct marketing retailer in southern Africa, HomeChoice has developed an exclusive range of household goods which it sells to the urban mass market. With a proven track record of over 25 years, HomeChoice is the first choice in luxury homewares for thousands of satisfied customers. FinChoice – flexible and convenient personal loans FinChoice, the financial services company of the group, markets personal loans to HomeChoice customers of good credit standing. Our loan products offer terms ranging from 6 to 24 months, with the ability for customers to access additional credit on a recurring basis. Our location and staff complement Our head office is based in Wynberg, Cape Town. The group employs over 580 people, including over 380 agents in our call centres.
Our customers We operate throughout South Africa, as well as in Namibia, Botswana, Swaziland and Lesotho. FInChoice offers personal loans to South African customers only. Our Vision & Values Our group vision To continuously leverage our data and direct marketing expertise for sustainable growth in a complex and rapidly expanding consumer finance environment. The HomeChoice vision To be our customers’ most trusted and exclusive homewares retailer, helping them to easily realise their décor dreams.
The FinChoice vision To be our customers’ most trusted and flexible financial partner, enabling easy access to affordable products. Our employee vision To be empowered, respected, challenged and recognised for the unique contribution we make. Our shareholder and sustainability vision To achieve consistent long-term real growth and an outstanding return on equity while making a significant contribution to our community. Our values We have adopted five key values that underpin the way we think and do business. Customer delight – We will put our customers first in everything we do. Excellence – We will continuously assess, adapt and improve while being accountable and professional. Integrity – We will be transparent in our dealings, upholding moral, legal and ethical codes. Teamwork – We will be united in purpose and action, turning our diversity, skills and experience into a source of strength. Innovation – Through our courage and initiative, we will identify and implement new opportunities and ideas that will successfully shape our future
The possibilities available to you are endless with Capitec bank. With a loan from Capitec bank you can build that extra extension to your home for your ever growing family, place a deposit on that brand new car that you’ve been dreaming about, or simply invest into the market to grow your wealth for your up and coming retirement. At Capitec bank you are able to apply for up to R100 000.00 over terms of up to forty eight months. Within minutes Capitec is able to approve your loan and the full loan amount is could be available in your bank account shortly after. Capitec bank loans are easy, convenient and offered at great interest rates that you won’t see repeated anywhere else in the highly competitive South African marketplace.
Here are the Capitec bank loans and the various options available to you right now;
Capitec Bank easy credit
• Paperless, quick and efficient application process.
• Choose your repayment terms from 1, 3, 6, 12, 18, 24, 36 and 48 months
• Your loan amount is available instantaneously.
• Loans for up to R 100 000.
• If you deposit your monthly salary into your Capitec bank account, you will benefit from lower interest rate charges.
• All loans in the 6 – 8 month bracket qualify for free credit life insurance
• Clients that receive a salary (monthly) may qualify for 1 to 48-month loan facilities
• Clients that are paid wages (weekly) may qualify for 1 to 12-month loan facilities
• All loans are subject to the approval of Capitec Bank’s credit policy.
Choose the Capitec Multi Loan
• A loan paid on a monthly basis can be approved annually (12 months) at the branch nearest to you for all clients that receive a monthly income (salary).
• You are able to draw your funds from any cashier or Capitec Bank ATM.
• Fees and interest are only charged on cash drawn from an ATM.
• This option offers superior flexibility and puts you in control.
Visit you the branch nearest to you and apply for your personal loan with the following documentation:
• Your green, South African, bar-coded Identification (ID) book.
• Evidence of where you reside in the form of your local Council rates and taxes account which is addressed to you, include the street address you reside at, and which is not already 3 months or older.
• You’re most recent salary slip from your employer.
• Your most recent bank statement displaying you transaction history for the past 90 days.
Capitec bank loans offer extremely competitive interest rates that will save you a bundle in the long run. You will require no explanation for you intended use of the loan funds and Capitec values your confidence in their procedures. There is a brief evaluation on your credit history prior to the loan being approved, and thereafter is send to an account of your choice within the same business day. Whatever the state of your personal financial affairs or the credit rating you have, get down to your nearest branch and enquire with the branch manager about Capitec bank loans and how they can help you.
Does the Consumer Protection Act, 2008 (“CPA”), which became effective on 1 April 2011, mean the end of the “voetstoots” or “as is” clause?
What does voetstoots mean
When you buy something, there is an implied warrantee that the thing sold is free from any defects. It is, however, possible that one can contract out of this implied warranty by inserting a term into the contract that says that the sale is voetstoots (that you buy the goods “as is” [warts and all] and cannot rely on the implied right to defect-free goods and complain later if you find certain defects in the goods).
When the seller can’t rely on the voetstoots clause
The common law does, however, allow you to cry foul and sue the seller (even if the contract contained a voetstoots clause) for cancellation of the contract or a reduction in the selling price where the goods were defective at the time of the sale, that the seller knew of the defect but failed to disclose it to the buyer, knowing full well that if the buyer knew about it he would either not have continued the purchase or would have negotiated a more favourable purchase price.
The effect of the CPA on the voetstoots clause
In terms of the CPA the consumer is entitled to receive goods that are reasonably suitable for the purpose for which they are generally intended, are of good quality, in good working order and free of any defects.
The definition of “goods” has been amplified to include a legal interest in land or other immovable property.
The CPA provides for a statutory duty of disclosure in consumer transactions. The Act expands on the common law obligation to disclose latent defects by requiring suppliers to disclose material facts and to correct misapprehensions on the part of the consumer, if failure to do so would amount to a deception.
However, sellers can exclude themselves from this obligation by advising the consumer that the goods are being offered in a certain condition. The consumer must then agree to accept the goods in that particular condition. E.g. a motor dealer should explain that the beat-up Volksie is not new, point out the obvious and not-so-obvious defects and if the consumer accepts this, then the sale would be as-is.
The only way sellers can get past the implied warranty is to describe the condition of the goods in specific detail to make it clear in which condition the goods are being sold. The buyer then has to has to “expressly agree” to accept the goods. Only if the buyer “knowingly acted in a manner consistent with accepting goods in (a less than ideal) condition” would the implied warranty of quality fall away. Every defect must be described in the contract of sale that the buyer signs.
A defect is a material imperfection that renders goods less acceptable or less practicable. This includes obvious problems, or latent defects, and those hidden future problems, or patent defects, which sellers are able to escape under the voetstoots clause provided they were not aware of such defects at the time of sale.
If any defects come to light after sale or goods do not comply with standards set out in the CPA, the buyer is entitled to return them within six months of a sale and the Act holds businesses liable to either repair or replace the goods, or to refund the purchaser. After a defective product is repaired, the repair job itself will have a further three-month warranty. In addition to these rights provided to consumers under the CPA, the CPA also provides further should any damages arise as a result of defective goods, they would be able to claim damages from the seller.
Time and case law will determine if the CPA has sounded the death knell of voetstoots clauses, but whatever its fate, the consumer is infinitely better off under the CPA.