How To Get A Loan South Africa - Frequently Asked Questions...
Are you looking for loans online in South Africa and have a few questions before applying? GET-LOANS has put together a short FAQ (Frequently Asked Questions) guide to some common questions you may have about applying for loans online in South Africa. We will do our best help you find a loan to help you get through a tough financial time, consolidate debt or just for that little something special. We offer a wide range of loans and finance options on the website which you can browse using the menu at the top of the page or visit the Home Page to help you get the right loan or finance to meet your requirements in South Africa.
It's free to apply with no obligation though fees may be applicable for extra services such as credit reports, legal protection and debt management from some companies
Can I get a loan if I am blacklisted or have a bad credit rating?Being blacklisted can be incredibly difficult and trying to find any kind of finance can be very frustrating though there are options for loans with poor credit. SA Personal Loans offer loans from R500 to R150,000 and will accept applications if you have a bad credit record or are blacklisted and need a loan in South Africa. You can also apply at CASHLOAN.co.za as well as Loans Unlimited if you prefer - visit www.sapersonalloans.co.za now
What is a payday loan and how do I apply for one in South Africa?A payday loan (also referred to as a cash advance or payday advance) is short-term loan that is usually repaid on the day that you receive your next salary check, hench the name 'payday loan'. The loan amount is generally smaller and the repayment period shorter than a normal loan, ie. there will not be terms such as 12 months to repay, rather it will be 1 month or a little longer. If you are looking for a payday loan Konga is a popular choices in South Africa and offers simple and free online application for quick cash loans from R100 to R5,000, apply now at www.konga24.co.za
How can I get a new cell phone or tablet PC on contract if I am blacklisted or have bad credit?Just because you are blacklisted or have a bad credit rating does not mean you cannot get a new cell phone or tablet PC on contract from a major cellular service provider in South Africa. ezPHONES offer a wide range of new cellphones as well as tablet PCs with free delivery and no documentation required to apply, the range does vary and the best way to view what is available is to browse the website - visit www.ezphones.co.za now
It is secure to apply for loans online?Yes, it is secure to apply for loans online and your confidential details will be safe. All loan and finance providers on the GET-LOANS website will do their best to help you, wherever possible with free application.
Will I be charged a fee for applying for a loan online?Wherever possible we have tried our best to list companies that don't charge any fees however there may be fees applicable for additional services such as credit reports, legal aid, debt management and others. For this reason please read any applicable text and/or Terms and Conditions if you are unsure before you apply.
What documents do I need when I apply for a loan online?The documents required will vary dependant on what loan or finance you are applying for and some loan providers may require additional documentation if there are concerns regarding your credit score or if you are self-employed.
What is the interest rate and fees that I will pay on my loan?The interest rate on your selected loan will vary dependant on numerous factors. These include the repayment period (number of months over which you repay the loan), your credit profile and the amount you request. Loan providers will you provide with all the details if you qualify for a loan and if you have any questions please be sure to contact your loan provider for more information before agreeing to take out the loan.
How long does it take to get an answer after I apply for a loan online?The time it takes for you to get a decision as to how much and whether or not you qualify a loan varies by loan provider. Some providers such as Boodle will, in most cases, give you an almost instant answer, others may take a while longer so take the time to read any provided information.
Will there be a credit check when I apply?Yes, there will almost definitely be some kind of credit check performed when you apply for a loan or finance online. This is unavoidable though if you do have concerns regarding your credit rating visit Credit Report SA and get a free credit report. If you have credit problems and need a loan then consider applying at SA Personal Loans who offer bad credit and blacklisted loans up to R150,000 in South Africa. CASHLOAN.co.za is another option for loans if you are blacklisted or have a bad credit rating.
Cash loans up to R5,000 from Lime Loans...Lime24 may be able to help and offer fast and easy online loan applications for amounts from R300 to R5,000. Applications can be completed online and in most cases you will get an instant decision within 5 minutes of applying. If your loan is approved you will be paid out the same day and as a registered credit provider in South Africa you are guaranteed easy to understand fee structure. If you repay your loan on time you may qualify for another loan and could get discounted loan rates, meaning you repay less. Don't waste any more time searching for a cash loan when you don't have to, apply online now - www.lime24.co.za
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