Is there really such a thing as a quick and easy loan? In today’s society, we are primed to expect instant gratification, but when it comes to things like loan applications, the processes seem to be long, drawn-out, and ultimately disappointing. What if we told you that we have recognised a need for simple loans and have found the formula and loan model that allow for a quick, easy, uncomplicated loan process? Would you believe us? Well, you better believe it, because it is true!
If you have been looking for a loans company with low interest rates, easy payment terms and no time-consuming credit checks and interrogation calls, you have found it in XCELSIOR. We are more concerned with providing you with a great service than we are about making the loans process difficult for you. Sometimes it can feel like lending institutions are just giving you a hard time while, in fact, they are really just following the law, based on the type of loan you are applying for. That is where we are different.
We do not offer the same type of loan as your local bank. Unlike other financial lending institutions, we do not need to carry out affordability checks, credit checks, or even check your employment status, and that is because our loans are secured. That means, in order for you to borrow from us, we need collateral. Sounds easy enough, doesn’t it? It really is a simple process.
What Does Our Loans Company Accept as Collateral?
We do not have many requirements for you to meet in order to apply for a loan with us. All you need is to own a vehicle that is registered in your name and is fully paid off. You can use the vehicle to receive a cash advance from us. We keep the vehicle safe and secure until the loan amount is repaid. It is quick and easy and what is great is that you still get to keep your vehicle at the end of the process. Here is what we accept:
- Cars
- SUVs
- Caravans
- Trucks
- Bakkies
- Motorbikes
- Jet skis
How Long Does It Take to Process Your Loan Application?
It is a quick and easy process. In fact, once we have received your request, it can take as little as 45 minutes to have everything finalised and the loan amount paid into your account. You must, however, be available for one of our assessors to determine the value of your vehicle, as we can only loan you up to 50% of the assessed value. Maximum loan requests are limited to R500 000 and minimum loan requests are limited to R5000. It is a unique loan model, but it is designed to make things simple for you. Our brand is associated with hassle-free loans and we are excited that you will be able to experience our prompt and professional service excellence in the near future.
Need more advice and information on our loans company and its services? Contact us via email or telephone and one of our friendly consultants will assist you further.
