While we endeavour to keep the content up to date and the website running smoothly, XCELSIOR is not responsible or liable for the accuracy, completeness, legality, reliability, operability or availability of information or material displayed on this site, nor for access to the website or parts thereof.

All information, materials, products and services (whether displayed as text or graphics) included on this website are provided “as is”, with no warranties – except where expressly otherwise stated. XCELSIOR also disclaims any warranties for products or services advertised on this site by third parties.

XCELSIOR cannot assume any liability, obligation or responsibility for any direct, indirect, general, special, incidental or consequential damages (including, without limitation, lost data, revenues or profit) which may result from the inability to use, the correct / incorrect use, downloading, abuse or misuse of the website and / or its content – even if we have been informed of the possibilities of such damages.

APR: 36% to 60% Loan period: Minimum 2 months to maximum 36 months. Should a client wish to pay up his loan before his term ends he/she will be able to do so without any penalty fees. Interest and fees outstanding will thus be calculated pro-rata. Representative Example: Nett loan amount, R 2 500.00, term 3 months, APR (Annual Percentage Rate) 60%, initiation fee of R250, monthly service fee of R68.40. Monthly instalment R1 110.07 and total amount payable of R3 330.20.