Taking out a personal loan or acquiring bridging cash can be quite a challenge, especially if you do not have a permanent job or if you have been blacklisted. Many individuals, who have had financial problems in the past, find it hard to acquire emergency cash when they need it most, but this does not have to be the case for you. At XCELSIOR, we do things a little differently. We provide pawn loans to individuals who are considered non-credible by mainstream financial lending institutions.
Needing cash in a hurry and not having access to it can certainly take its toll on anyone. If you do not have a savings or emergency fund to fall back on, you will probably have to consider your options when it comes to taking out a loan. Choose a company that has a decent interest rate attached and that has your best interests at heart. At XCELSIOR, we are always available to provide sound advice regarding loans and how to manage them.
If you have not been exposed to such a loan model in the past, then it is time to familiarise yourself with the benefits of such a loan model. Pawn loans are designed to assist those who have some form of collateral to back up their loan request. At XCELSIOR, we accept vehicles as an acceptable form of collateral. Vehicles such as trucks, bakkies, cars, SUVs, motorbikes, Jet Skis and similar are all accepted.
When applying for a loan, there is no need to worry about feeling stressed about financial background checks, as we do not carry these out. Once you have decided to take out a loan and have completed the application form with your details and that of your collateral vehicle, one of our friendly consultants will pay you a visit to assess the vehicle. Once a value is attached to the vehicle, we can review your loan amount request, as we are only able to provide loan amounts of up to 50% of the value of your collateral vehicle.
The vehicle is then taken to our storage facility where it will be safely kept for the duration of your loan contract. Of course, our storage facility has 24 hour security and the safety of your vehicle is assured. We will only sell the vehicle to cover costs, if you are unable to settle the loan account by the agreed date. You can choose to settle the full amount by a certain date or you can make fixed monthly payments until such time as the loan is settled. If your vehicle has to be sold to defray costs, rest assured that anything extra made on the sale will be paid directly over to you.
At XCELSIOR, we treat each and every one of our customers with respect. We understand that you are faced with an emergency or new life decision and need the required cash in a hurry. With this in mind, we can conclude loan approvals and payouts in under an hour, which is quite beneficial to all. If you are unsure of how the loan process works and want to find out more about how we can help you, simply contact us to discuss this with any of our professional consultants.
If you are in the market for a loan that does not require the regular checks and hassles, then what we have to offer at XCELSIOR is just what you need. We encourage you to take the time to chat to us about your needs and requirements, and to apply for a pawn loan, where acquiring the cash you need when you need it is made possible.