The current economic climate makes it difficult for people to remain financially sound, and lay-offs, joblessness and increasing costs can sometimes make it impossible to pay bills on time or not to default on certain repayments. As a result, a lot of people become blacklisted, which means that they are considered not credit worthy. Banks and other credit providers will refuse to lend them money and even cell phone companies or clothing stores will refuse to open contracts, accounts or credit plans for them, even if they are currently financially viable. Being blacklisted will effectively disqualify anyone from obtaining a loan, even if they have the means to pay it off with some ease. So, if you have been blacklisted, loans will not be easy to find, but we have the answer!
XCELSIOR provides low-cost short-term loans to anybody who has a motorised asset that they can use as collateral. The asset will be physically removed and kept in our possession until the loan has been repaid in full. As we have the asset in our possession, we do not need any further guarantees from you and we will not be performing background checks and work according to credit scores. This means that even if you have been blacklisted, you will be able to apply for a loan with us if you have an asset to secure the loan. We don’t even need to know what you need the money for; all we need is your asset as security.
XCELSIOR is a privately owned company that is making huge strides in the financial services industry. We are a registered credit provider, we conform to the Consumer Act and our transactions are totally transparent and paperless. We treat all our customers with respect and dignity and the applications are done in confidence and privacy. And if you are blacklisted, loans with us are not a problem.
Unlike other credit providers, we don’t fill in reams of paperwork. We won’t need bank statements, financial reports and endless paperwork from you. All we need is your ID book, the original registration papers of your vehicle and proof of address which is not older than three months (this can be in the form of a lease agreement or utility bill). That is all! If you have these documents you may find yourself in possession of some cash very soon.
Another advantage we have over other credit providers is that our loan process is very fast. Unlike some money lenders that may take weeks to process your application before giving you access to money, our process from application to the payment of money into your account could take as little as 30 minutes! If you need fast cash, we are the credit provider for you!
The Application Process
In order to apply for a loan, all you have to do is to make an appointment with one of our representatives. You can also fill in the online application form and our representative will contact you soon after. You may come to our offices or we can visit you at a site of your choice – you don’t even have to leave your house to get a loan, we will come to you!
Our representative will process your application and get copies of your ID and take the registration papers of the asset. We will take any motorised vehicle as an asset, which means that you can use your car, bike, truck and even your jet-ski as collateral. We will take a few minutes to value the asset on the spot and you will be able to borrow up to fifty per cent of the value of the asset. We will then discuss the repayment process and all charges and interest with you. Our process is transparent and honest and by explaining everything clearly, we ensure that there are no hidden charges or unpleasant surprises waiting for you! Once this has been done we will pay the money into your account immediately. We usually do this in your presence and via an electronic transfer. This means that you may have immediate access to the money.
Once you have repaid the loan in full, we will return your asset to you in the condition that we received it. We will look after your asset and ensure that it is safe and securely stored in our high-security storage facilities. We also have insurance against theft and damage, so you will never lose out if you leave your asset with us!
If you have been blacklisted, loans with us are fast and easy. Contact one of our representatives today or fill in the online form. We look forward to hearing from you!
