Financed Loans

This loan allows you to consolidate debt, combine it into one plan, pay a lower instalment, reduce your finance charges and increase your available cash. It also provides you with regular cash payouts when you need them most. Speak to us to find the loan best suited to your needs.

Unsecured loans which require no collateral or co-signers can be approved very quickly and easily and in some instances you can receive your funds directly into your bank account in as little as 15 minutes. Most banks and companies offering such loans will provide your cash advance within days rather than weeks or months like traditional secured loan lenders.
Funds are made available within minutes of your application for you to spend as you wish without needing to worry about providing spending plans and progress reports before approval is given.

Minimum term of 3 months.Maximum term of 36 months.Qualify for up to R50 000.Fixed interest rate at the time of the application.You need to be employed for at least 3 months at the same employer.The interest rate applied will be determined by your credit score.Only individuals can apply for a loan.You must be older than 18 years of age.

Old Mutual My Super Six

• Six monthly loans in one.
• Repayable each month.
• Funds paid into your bank account.
• You choose date of payments.
• Combine with My Money Plan. Old Mutual My personal Loan

• Up to R50 000 loan with immediate approval.
• Loan term varies from 1-36 months.
• No forms to complete.
• Money paid into your account
• Credit life insurance

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• Old Mutual Personal Loans

SA Multi Loans or Bridge Loans, as they are now known are all about being comfortable with your finances. While there are a multitude of loans being offered for the long term, including car and home financing, there are very few lenders who offer short term financing solutions.

These options can range anywhere from supplementing your income or an existing loan for various reasons. For example, you might want to purchase the latest cell phone in the market while the gadget is the latest offering in the market. Others might wish to install new speakers in their car but do not want to wait for their next paycheque.

Hence, the possibilities are infinite with Bridge Loans. The only conditions that apply are that the applicant must be of legal age, i.e. be at least 18 years of age and should have a permanent job. In case of self employed individuals, you just need to prove stability of income to qualify for a loan from this institution.

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Capitec Bank loan services meet the market requirements by providing varying credit plans that best suit your needs and pockets. Under the fixed loan plan, debtors can acquire up to R150, 000 for a period ranging between 1 month and 5 years.

Furthermore, the bank’s efficient services make the cash accessible instantaneously with minimal process requirements. The only requirement that needs to be fulfilled is ensuring that the plan is suited to the borrower’s budget and is supported by the credit scores.
Another product is the multi loan. This is a flexible credit plan that can be obtained for every day needs and emergencies. This amount can be transferred to the debtor’s account through the bank’s ATM, internet and mobile banking channels.

Capitec Bank also offers free retrenchment and death cover for their clients. . In addition to this, all loans sanctioned by the Bank comply with the National Credit Act (NCA).
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• Capitec Bank Personal Loans

Choice: Choose a DirectAxis Personal Loan of up to R100 000 or a Direct Plus Loan of up to R150 000! With DirectAxis, loans are possible. As an authorised Financial Services Provider with many years in the financial services industry, we offer a range of solutions and benefits that are designed to cater to our customers’ every need. This includes a choice of two loan solutions – with up to R150 000 cash available!

A DirectAxis Personal Loan of up to R100 000 could be yours within 48 hours! This is an unsecured loan that you can pay back over a repayment term of 2 to 6 years. You can choose the loan amount that suits you, from R4 000 up to R100 000 (in increments of R1000), and the money could be in your bank account within just 48 hours.

A Direct Plus Loan of up to R150 000 with fixed interest rates! For those larger needs and expenses, a Direct Plus Loan amount from R50 000 up to R150 000, could be the answer. This loan is secured against your immovable property. Opt for a repayment term from 4 to 10 years. A portion of the loan could be in your bank account within just 48 hours and the balance could be within 2 months. An added benefit is that DirectAxis pays for the full conveyancing fees.

Whichever loan solution you choose, you are free to use the money however you like – make those home renovations, pay for your child’s education, consolidate your retails accounts and more!

Fixed rates

Repayments are fixed at our current interest rate for the full term of your cash loan – they never go up, no matter how much interest rates do!

Easy access

Apply for a loan online or over the phone 7 days a week from 8am to 8pm.
No face-to-face interviews or unnecessary paperwork.
Cash deposited directly into your bank account.

Speed

Fast application and speedy processing gives you direct access to the money you need! Plus, get a decision in seconds on whether you qualify – no waiting around when you fill in our quick loan application.

Peace of mind

You’re dealing with an authorised Financial Services Provider. DirectAxis has always promoted responsible lending and is compliant with the National Credit Act, No 34 of 2005. All of our loans include our Personal Protection Plan which settles your outstanding loan balance in the event of your death, permanent disability or certain dread diseases. This plan also includes limited cover in the event of temporary disability or retrenchment. You’re free to substitute the Personal Protection Plan with a policy of your choice, provided the cover offered is equivalent.

We try to accommodate all requests, but ultimately your final loan amount will be based on your personal financial profile and subject to credit approval.

Get an instant decision by filling in our quick loan application!

Loans are subject to the National Credit Act No. 34 of 2005. All loan applications are considered and are subject to credit approval by DirectAxis. This offer is subject to expiry at the discretion of DirectAxis.

What you’ll need to apply:

To apply, you will need clear credit references and a regular monthly income of at least R3 000 for the DirectAxis Personal Loan (proof of income will be required if you’re self-employed) and R11 000 for our Direct Plus Loan. And remember, you can speed up the application process simply by having your ID number and the bank account details into which your salary is paid handy when you call.

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Choosing the right home loan service in South Africa can be quite troublesome. If you believe your financial institution is providing you the best interest rate, think again! It is not necessary that the deal that sounds attractive is actually that striking. Once it is time to repay, the picture starts to change. The hidden costs come into play and everything turns from great to worse!

Comparison shopping is highly recommended when you are considering home loans. Do your research and calculate your expenses in addition to your annual or monthly repayments. Nedbank Home Loan Service provides competitive rates along with the expertise of highly trained customer representatives who offer complete support to help ease the process for you. Understand what you are getting into before committing. It is not worth losing your money and your dream house due to a hasty decision. Take an informed decision with Nedbank.

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In order to invest, individuals first have to be diligent about their budget and spending habits, for many people fail to understand the importance of savings and instead rely on their bank to bail them out in times of financial distress. As Bob Hope said, “A bank is a place that will lend you money if you can prove that you don’t need it.” Hence, it is better to save today than be sorry tomorrow.

One of the ways to save is to reduce exposure to debt, at least credit card debt. While mortgage and car loans may be a necessary evil for many families, there is no need to indulge in other consumer loans. Another way to ensure that you stick to your savings mantra is by depositing a chunk of your salary directly into your bank account. This will ensure that you are not tempted to spend the money on trivial things.

A savings account can also be used which accumulates interest earnings or the individual has the choice to invest in mutual funds. Mutual funds are offered by many banks and since they are diversified portfolios, carry little risk but have potential for high returns.

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Get  home loan with SA homes loans: You can get a huge variety from SA home loans, some of which are unique in the market. Historically, banks provided all the home loan financing in South Africa. They secured their finances and funding from capital markets and lent those funds to consumers against the security of homeloans. For this service they charged a margin on the home loan of between 3 and 5 %.

That’s when for the first time in South Africa SA Home Loans launched in early 1999. They offered an alternative method of funding designed to bypass your traditional banks. What they would do is link lenders directly to the money markets i.e. the securities exchange. This non-banking concept is called securitization, a very well-known globally-accepted means of funding. In America, 40% of all home loans and home loan lending is securitised.

Variable Home Loan

– Standard variable interest rate
– Flexible term of up to 20 years.

Super-Lo

– Their loyalty cash-back loan
– Interest refunds into the home loan account after first 2 years, for first five years of the loan
– Permanently discounted interest rate, for the life of the loan, after the initial five year period
– A flexible term of up to 20 years, or a 23 year term.

Interest Only

– Lowest installment option
– Instalment payments that cover only the interest on the home loan, with full settlement required at the end of loan term
– Option to make pre-payments
– 90% loan-to-value requirement

Varifix

– An interest rate fixed for 20 years, with a rate review every 5 years
– Can fix all or only a portion of your home loan
– Unfixed portion of loan will have Variable home loan features
– If market rates rise, the fixed rate remains unchanged at the lowest level.

SA Home Loans also offers other home loan management options, such as Quick Cash, a bridging finance product at competitive rates, or risk protection products like CAP, which may be purchased to place a ceiling on interest rates.

How they work!
NOT A BANK!

SA Home Loans has a distinctly non-bank approach to doing business. They pride themselves on being flexible, approachable and service orientated. They pioneered a new way of providing home loans by linking you directly to the money markets and passing the savings on to you.

Branches
SA Home Loans have grown from strength to strength over the past 10 years, and while head officed in Durban, they now have 22 branches countrywide. Find out which of their Branches is closest to you, or phone 0860 2 4 6 8 10 for a Customer Contact Centre consultant.

Not a Mortgage Originator.
Mortgage Originators are intermediaries in the home purchase process, and operate like brokers. They source home loan offers from financial institutions that pay them a fee for finding new clients. SA Home Loans provides you with the home loan directly – much like the banks, but without the attitude.

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After the recent economic meltdown, many consumers incurred insurmountable amount of debt. In this downturn economy, it can be a challenging task to get home loans for blacklisted consumers. But you can still apply for home loans if you wisely deal with your financial situation. You can take debt help in order to solve your financial problems and then apply for a new loan. Therefore, here are a few points that will help you understand the way a blacklisted can apply for a home refinance.

The banks will consider these people as high risk borrowers while refinancing the property. The financial institutions will presume that the blacklisted people will not be able to repay the owed amount; therefore their loan application will be disapproved.

So people with poor credit record are considered to be high risk borrower than people with good credit record. Consumers with good credit record can get loan on favorable terms. But if the blacklisted consumers are getting loan for first time then they might suffer to get a home loan.

But if you sincerely work towards paying off your debts then you can secure a home loan. Here are the following things that you are required to keep in mind to reestablish your credit:

1. Debt counseling offers smart ways to manage your debts as it helps you pay off your existing debts. A certified debt counselor will formulate a repayment plan in accordance with your financial situation. He can assist you manage your finances efficiently so that you can avoid incurring debt in future. Once you pay off your debts then it will be easier to reestablish your credit record. Now you can easily apply for a new loan on favorable terms.

2. Make sure that you find out lenders or banks that offer loan to blacklisted consumers on flexible terms. But the interest rate on this loan offered by the financial institution might be high. Therefore, the blacklisted consumers might be paying more than the average consumers.

So there are wide ranges of options available for this type of consumers to get loan. However, the consumers with poor credit score can easily apply for a home loan.

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Eduloan has a responsible approach to financing people’s education and therefore an affordability test is done for all applications. Permanent employees can apply for a study loan, as long as the installments do not exceed more than 25% (based on a one year loan) of their monthly gross salary and must earn a minimum of R2 000 before deductions once the installment has been deducted.

Eduloan provides education finance to corporate employees, and gives them fixed repayment options over a 6 to 22 months period. A salary deduction can be arranged which will allow for better management of monthly loan installments and will ensure that they are paid timeously.

The loan covers student related necessities including books, accessories, laptops and accommodation, as well as study tuition fees. Loans are also available to full-time South African students .Edu-Loan has financed over 400 000 students to a total value of over R1

Billion. Backed by an extensive national footprint, Edu-Loan has unique agreements with most of the tertiary higher
educational institutions (Universities and Universities of Technology) around South Africa, and offers a variety of
products to students.

Please contact them direct at:
Tel: (011) 670 6100
Fax: (011) 475 5679
086 055 5544 (customer service)

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Applying for an Absa credit card is a simple process – simply decide which card is the right one for you and apply online.
Absa credit cards are available in many different tier levels and there is an Absa credit card available to suit everybody’s needs.

You might be asked to fax or email some additional documents in order to complete your Absa credit card application so make sure you have things like a copy of your ID, three months’ bank statements and your latest salary slip handy so that your Absa credit card application can be as quick and easy as possible.

Absa silver credit card

The Absa silver credit card is an entry level and a very popular credit card. In order to qualify, you need to earn at least R4000 a month. One of the biggest benefits of the Absa silver credit card is an interest free period of 57 days. Whether you want a MasterCard or a Visa Absa silver credit card – the choice is yours. The Absa silver credit card also comes with an optional budget facility which gives you the option to pay off your credit card from six to 48 months. You can split the credit limit option on your Absa silver credit card 50/50 on budget and revolving or opt for just a revolving credit facility.

Absa gold credit card
The Absa gold credit card is great for anybody who earns more than R10 000 a month and comes with good debit and credit interest rates. The Absa gold credit cards are popular with young executives.

For people who earn more than R25 000 a month the Absa platinum credit card is ideal. Not only is the Absa platinum credit card a status symbol but you can also link your garage card to your Absa platinum credit card at no extra cost. Absa platinum credit card Absa platinum credit card holders also have a dedicated 24-hour support line which can be contacted on: 0860 109 085. Whatever your needs are, there is an Absa credit card out there to suit your needs.

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