What are Unsecured Loans?

Unsecured loans are monetary loans that are not secured against your assets. The interest rates applicable to these different unsecured loans may vary depending on the lender and the applicant.

We offer a number of different unsecured loans which we tailor to each individual applicant to make sure that you get the financial aid that you need.

Unsecured loans enable you to satisfy the urgent demands

Unsecured loans are most often used to address outstanding medical bills, power bills, tuition costs, charge card bills, prescribed debts, bad credit situations, and situations where the client does not have a credit history. They are your second chance unsecured loans because everyone deserves at least a second chance at unsecured personal loans online.

Our clients opt for our non-secured loans when they need a quick financial fix because:

  • we offer financial cash loans of up to R 120  000, even for those with prescribed debt;
  • we give fast approval on financial loans;
  • our loan periods are based on your credit risk where our minimum term is one month, and
  • our maximum term is 84 months;
  • we do not need your original documents in order to pay out your cash loan; and
  • all our applications are done electronically.

Our most popular unsecured loans are:

  • Bad Credit Loans
  • Cash Loans
  • Prescribed Debt Loans

We are proud to introduce our New Branded Website:

The only requirements you need to meet to get a loan with us are that you are:

  • are at least 18 years of age;
  • have been permanently employed for at least 3 months at your current employer;
  • earn a minimum gross salary of R2 000 per month;
  • have a bank account against which we can load a debit order;
  • are a South African citizen with a green bar-coded ID document.


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How to Apply

Cost of credit and Application Requirements

We offer between R 1000 and R 120 000,00 loans and are the best method of attending to an unforeseen financial event. Repayments are also tailored to suit your budget and your personal needs, they are also dependent upon your affordability and credit criteria. To apply for a loan you must, be a South African citizen or a permanent resident and 18 years or older with a valid identity document, earn a minimum of R 1500 per month, have proof of your current residential address and your own a bank account into which your salary is deposited.

Cost of Credit:
Insurance: 1.25% of monthly opening balance
22.50% Benefit
The Maximum APR is 28% per annum