Apply for a loan - pawn your car


We understand that life throws curve balls and sometimes you need to access cash fast. We hope that our loan will enable you to respond to whatever situation you are facing.

XCELSIOR offers loans against motor vehicle assets (cars, trucks, bikes, caravans and even motorised sports vehicles, like jet skis). These assets are used as collateral and ownership remains with our clients. All vehicles are safely stored in a secure facility and returned upon settlement of the loans. This allows clients to acquire instant cash, without disposing of their valuable assets.


Please make sure you understand our process and take note of below before you apply.

We do not offer vehicle loans. We offer loans against your vehicle.
We only accept vehicles. We do not accept homes or other assests.
Your vehicle has to be fully paid off.
The vehicle has to be in your name or in the name of a close relative.
We take possession of the vehicle and store it in a safe facility.



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APR: 36% to 60% Loan period: Minimum 2 months to maximum 36 months. Should a client wish to pay up his loan before his term ends he/she will be able to do so without any penalty fees. Interest and fees outstanding will thus be calculated pro-rata. Representative Example: Nett loan amount, R 2 500.00, term 3 months, APR (Annual Percentage Rate) 60%, initiation fee of R250, monthly service fee of R68.40. Monthly instalment R1 110.07 and total amount payable of R3 330.20.

For each client you refer to us, we give you 1% of their approved loan amount as commission, so please start spreading the word!

*T&C apply

  • Is a Registered Credit Provider
  • Complies with the Consumer Act
  • Quickes Qay to Get Funding
  • Complies with National Credit Act
  • Offers Absolute Discretion
  • We Come to You