Struggling to find loans that do not require credibility checks? Are you blacklisted? It can be hard to acquire financial aid in the current economic climate – especially if you do not have a squeaky clean credit record. Many individuals in South Africa find that they cannot access loans because of their financial status and their credit record. Rest assured that if you are in this position – you are not alone. Of course, this does not mean that you have no options available to you. At XCELSIOR, we can assist you. What’s more, we do not do credit checks before we grant loans.
What makes us different from other financial lending companies? The fact that we are revolutionising loans in South Africa is what makes us different. Instead of delving into your financial history, we merely expect you to provide us with collateral. This ensures that you will repay your loan amount in the agreed time – of course, a contract will be set in place.
We accept a variety of vehicles as collateral as follows:
- Jet Skis
When requesting a loan from us, we will send an assessor out to view your vehicle. Of course, there is a limit on what we can loan you. We can only loan you up to 50% of the vehicle’s assessed value, with a maximum amount of R550 000 set in place. The application process will take just 30-45 minutes of your time and if you are happy with the assessed value and the loan amount, we will take the vehicle to our storage facility and immediately transfer the required funds into your bank account. Acquiring financial aid has simply never been this easy and at XCELSIOR, we are only too happy to be a part of this process.
If you are concerned about the safety of your vehicle, don’t be. Our storage facility is in a secure location and has 24-hour security included. There are options to consider when it comes to repaying your loan. You can opt to pay the monthly interest and charges until the loan is settled, or you can repay the loan in one lump sum – the choice is yours. On settlement of your loan, your vehicle will be returned to you in the same condition that we received it in. We can also make arrangements for those who are unable to pay their loan amount back. In most instances, we can sell the vehicle to defray costs. Any additional profit made on the sale of your vehicle will be paid over to you.
If you are interested in finding out more about our loans and how we can provide you with financial assistance fast and conveniently, then we encourage you to take the time to contact us via email or telephone. Alternatively, apply for a loan via our website and we will be in touch with you. Turn to XCELSIOR for all your financial aid needs too.