Applying for a loan can become a lengthy process, especially if you are approaching banks and the like. Often they will require proof of income, copies of bank statements and will certainly carry out background and credit checks. If you are looking for short term loans that do not involve all the frills, fuss and red tape, then applying for one at XCELSIOR is what you need to do. Our loan application process is absolutely simple and if all is in order, you can expect to be paid out on the very same day.
To apply for a loan with us you need to complete the online application form or give us a call so that a professional loan consultant can pay a visit to you. In order to obtain a loan from us you must have some form of collateral. We accept cars, bakkies, SUVs, Jet Skis and so on. When using your vehicle as collateral, we store it at our safe and secure facility where it will remain until your loan amount is settled. If you wish to step up your payments to receive your vehicle back sooner, this is welcomed.
At XCELSIOR we are dedicated to doing what is best for our clients. We understand that when applying for a short term loan you probably need it in a hurry, so we won’t keep you waiting around. Once we have assessed your vehicle, we will be able to loan you any amount that does not exceed 50% of its value. We specialise in loans of between R5 000 and R500 000 and you will not need to pass any affordability tests for your application to be approved.
XCELSIOR is a privately owned yet registered credit provider. We offer prompt and efficient services and will ensure that your personal details and loan application are treated with the utmost discretion. We also welcome applications from those who are blacklisted or who have judgements against their names.
If in the unlikely event that you discover you simply cannot pay your loan back, we can then sell the collateral vehicle to cover the outstanding debt. This is beneficial to you as there will be no bad debt in your name and any extra cash made on the sale will be paid out to you after the outstanding loan amount has been settled.
Our management team has over 15 years of combined experience in the industry which means that they can provide you with sound micro lending advice and guidance along the way. We also have a wide range of client testimonials available on our website which we encourage our new and potential clients to read through, just so that you can get a better idea of the type of service that we are able to offer.
If you are looking for a professional and reliable supplier of short term loans in South Africa, do not waste any time shopping around for a better deal – the best deal is right here! Chat to one of our knowledgeable sales consultants and see how we can assist you with your financial difficulties today.