Getting a Loan from XCELSIOR is as Easy as 1,2,3...

Contact us or complete the online application form and we will call you to begin the process.

We quickly assess the asset(s) that you intend to put up as collateral to determine the loan amount available to you.

Upon approval immediate payment is made via EFT allowing you immediate access to the funds you need urgently. No red tape, or delays!



    Terms & Conditions Apply

    Your details will never be shared with a third party or be used to send you spam. 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




    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 vehicles (cars, trucks, bikes, boats, caravans, and even motorised sports vehicles, like jet skis). These assets are used as collateral on your loan and ownership remains with you. Whether you need quick cash for your business, a family emergency, or for any other unexpected expense, if you have a vehicle you can use as security we’ll loan you the cash today!


    Please take note of the following:

    1. We do not offer vehicle finance. We offer loans secured against your vehicle.
    2. We unfortunately do not accept property.
    3. Your vehicle must be fully paid off.
    4. The vehicle must be in your name or in your company’s name.
    5. We take possession of the vehicle and store it in a safe and secure storage facility.




    Sibusiso (Boksburg)

    The service I was given by the staff at Boksburg was very good – No word to mention, as I was in dire need of cash. Well done, keep up the excellent work. Not afraid to refer more clients here. Mar 2016

    Jacob (Boksburg)

    Conveniet when I really needed it. Feb 2016

    Wilfred (Sandton)

    Very helpful & patient. Mar 2016

    Lefa (Pretoria East)

    Thank you very much for the good business ethics. Keep it up! Nov 2014

    Disha (Pretoria North)

    I was never so happy in my life when Xcelsior helped me. May 2016

    Itumeleng (Pretoria East)

    Excellent service I received is well appreciated. Keep up the good service. Sep 2014

    Solomon (Witbank)

    The service is wonderfully excellent. Keep up the good relationship and work. I will recommend relatives and friends to seek financial assistance from your institution. Oct 2014

    Mnisi (Pretoria East)

    Nice and excellent service and friendly staff. Keep up the good work. Jan 2016

    Soften (Sandton)

    Thank you very much for your assistance and professionalism. I will definitely refer you to my friends and colleagues. Hope to see you guys. March 2016

    Nandipha (Boksburg)

    Great service, will recommend Xcelsior to my family friends. Apr 2016

    Vusi (Pretoria East)

    Xcelsior is the good financial institute you can visit. Is the best. Feb 2014

    Nishani (Sandton)

    I’ve dealt with Peppy 2x’s and I’m very grateful for the outstanding service I received. She really does go beyond the call of duty. Jun 2016

    Samuel (Boksburg)

    A professional service rendered to customer. Apr 2016

    Michelle (Pretoria East)

    Baie goeie diens. Geld onmiddellik beskikbaar. Kliente word met respek en vriendelikheid hanteer en ook proffesioneel. May 2016

    RM (Pretoria East)

    Service was good. He had to wait for us after office hours. Will definitely use your services again. May 2016

    K.E (Witbank)

    Service was good to be trusted. I was helped and got my car in good condition and I was helped with my business. Thanks a lot. Sep 2014

    Happy (Witbank)

    I was welcomed and treated with high respect during the time I applied for the loan and the helpfulness of your staff will make me tell other customers about an excellent service they are delivering. Thanks. Feb 2015

    John (Pretoria East)

    I find the team helpful, professional and understanding. I will most definitely refer people. Thanks for the great service. Mar 2016

    N Mahlalela (Witbank)

    My problem was solved. Jul 2016

    H Padi (Boksburg)

    I am very satisfied with the service I got. The consultant was quick and very efficient. Thank you Excelsior Boksburg. You rock. Mar 2015

    N Mahlalela (Witbank)

    If I ever myself in trouble again, I will definitely use your services again. Your service is great. Jun 2016

    M Moto (Pretoria North)

    Very good services. It help me a lot when I needed it the most. Jul 2016

    M Modise (Pretoria North)

    Excellent client care and service provided. Thanks a-lot. Jun 2016

    M Hlabangane (Witbank)

    Excellent service, great customer care and after care. Will definitely be back. Jul 2016

    L Wakeford (Witbank)

    The service is wonderfully excellent. Keep up the good relationship and work. I will recommend relatives and friends to seek financial assistance from your institution. Oct 2014

    G Viviers (Witbank)

    Baie goeie diens my tot gehelp op ‘n Saterdag. Baie dankie Witbank tak baie vriendelik en behulpsaam. Jul 2016

    F Chesa (Witbank)

    Service was excellent. Jun 2016

    EVMJ Kubeka (Sandton)

    Without favour you guys are Godsend to rescue the needy in tough times, considering our bad economy. Please continue to be there for desperate times that knocks in our doors without notice. Well done to all your staff members at Sandton branch who gave us a warm reception. Jun 2016

    CS Cronje (Pretoria North)

    Diens baie goed. Dankie julle. Jun 2016