Sometimes it can be hard to keep up with all our financial commitments and most people will need a cash injection at some stage. In these cases it is usually necessary to borrow money. With the economic climate what it is, it can be extremely difficult, if not impossible, to borrow money from the usual financial institutions or banks.
Lenders are becoming reticent to loan money to people who they would previously have considered viable for loans and to qualify for a loan could be near impossible. It is also a fact that there are many people who are already blacklisted, and even if you have the means to repay a loan, blacklisting will mean that you are unable to borrow money. Even if your loan application succeeds, you may end up paying over the odds in interest, especially as far as short term loans go.
We have the answer at XCELSIOR Loans! Our state-of –the-art business model facilitates fast, short term loans and we are revolutionising the money lending industry. The application process we use is quick and simple, we don’t need to check up on your background or credit rating, and we are in a position to give you an approved loan within as little as thirty minutes. In addition, we can give you access to money in your account within the hour. No other financial service company can do this!
How is this possible?
It works like this: If you are the owner of an asset, such as a car, bakkie, motorbike, truck or other acceptable moveable asset, we can provide you with short term, cheap loans, and can lend you up to fifty percent of this asset. We physically hold your asset in our possession and in turn let you have the loan. We hold on to your asset while you repay the loan, and when you have repaid your loan we return your asset to you. It really is that simple!
You Can Now Apply For Cheap Loans in Four Easy Steps:
STEP ONE: You have to complete the loan application first. This is easy to do with our innovative online form. You can also contact one of our representatives in your area that is only too happy to assist with your application. With no forms and paperwork to complete, the process is easy and very quick. Our representative can even visit you at a location of your choice that will be suitable for you, such as your home. You are of course also able to attend our office in person and do the application there.
STEP TWO: When you have completed your application, we will view your asset/s that you are planning to use as collateral. We will be able to determine the value of said assets within a few minutes. You are of course allowed to use more than one asset if you need more money. Once we have determined the value of the asset or assets, we will calculate the size of the loan and will lend you up to fifty per cent of the total combined asset value. We can arrange to collect your asset or you can deliver your asset to us in person.
STEP THREE: Once we have valued the asset and worked out the amount of money to lend you, we calculate your repayment plan. We strive to be totally transparent and we take care to ensure that all our charges and interest payments are clearly explained to you. This means that you are aware of the exact amount of money to repay, and that there are no hidden charges or nasty surprises.
STEP FOUR: We pay your money into your account. Our representative will make a payment via electronic transfer into your account in front of you. Depending on your type of bank account, you may well have access to this money in as little as half an hour.
If you are in need of cash and want to qualify for cheap loans ranging from R5000 to R500,000, feel free to call us, apply online or visit our offices. Our well-trained and friendly representatives are keen to hear from you and awaiting your application. Of course you are also free to complete the online application form, and a representative will make contact with you in due course. Contact us today – we look forward to being of service!