The problem with trying to find a reputable loan company is that while they are in abundance, it is no longer quick and easy to get approved for a loan. It is unfortunate, but strict credit laws in South Africa mean that those with a low credit rating and those who are blacklisted often miss out on the opportunity to acquire good financial aid from a reputable company. That does not necessarily have to be your reality though. You do not need to suffer the same plight! At XCELSIOR, we make loans available to everyone. And over the years, we have become a trusted and reputable loan company, serving the South African market.
What makes our loan company different is that we do not make the process a chore for our clients. We know that you have better things to do than complete piles of paperwork or stress during a lengthy approval waiting period. We keep the loan model simple. The only requirements are that you are an SA citizen and that you have a vehicle (that is paid off and in your name) available to use as collateral. The application process is quick and easy. Provide your details online or give us a call. Of course, we need to assess the value of the vehicle, so we will send a consultant out to see you. Once the evaluation is done, we will be able to lend you up to 50% of the vehicle value.
Contributing to our good reputation is that we keep the interest rates that we charge low and we are always working towards helping you in whatever way we can. We also ensure that you are offered options when it comes to repaying the loan amount. You can elect to pay back a lump sum on a pre-agreed date, or you can pay back a fixed monthly amount until the total is settled.
A reputable loan company such as ours is always upfront, honest, and available. We are always willing to provide you with sound financial lending advice and while we do not carry out affordability assessments or do background and credit checks, we will advise you on how to be careful with your loan money and only to apply for the amount that you need. If you are looking for a loan company that can offer quick and easy access to the funds that you need, waste no more time.