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Address
108 William Rd, Norwood, Johannesburg, 2192
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Phone
+27630581422
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Our Loan Services
Our Personal Loans interest rates are 5% up to 20% per annum, depending on the type of personal loan applying for with duration period.
1. Personal Loans:
- Term Loans: These are loans with a fixed repayment term and interest rate, paid back in monthly installments.
- Revolving Loans: Allow you to borrow and repay funds as needed, like a credit card, with a set limit.
- Property Loan/Finance: Is a secured loan where a borrower uses their existing property (residential or commercial) as collateral.
- Overdrafts: Provide access to funds beyond your current account balance.
- Cash Advance: Short-term loans, often with higher interest rates, for immediate cash needs.
- Debt Consolidation Loans: Help combine multiple debts into one loan with potentially lower interest rates.
- Express Loans: Designed for quick access to funds with shorter repayment terms.
- Instant Loans: Accessible through ATMs, cellphone banking, or online banking.
- Energy Loans: Specifically for financing solar systems, solar geysers, and other energy-related upgrades.
- Student Loans: To fund education, whether full or part-time.
Personal Loan Details:
| Loan Type | Min Amount | Max Amount | Term (Months) | Interest Rate (p.a.) |
|---|---|---|---|---|
| Term Loan | R1,000 | R50,000 | 12 - 60 | 7% - 18% |
| Revolving Loan | R500 | R20,000 | N/A | 10% - 22% |
| Property Loan | R10,000 | R500,000 | 60 - 240 | 5% - 12% |
| Student Loan | R2,000 | R100,000 | 36 - 180 | 6% - 15% |
| Debt Consolidation | R5,000 | R75,000 | 24 - 84 | 8% - 19% |
Our Business Loans interest rates are 5% up to 20% per annum, depending on the type of business loan applying for with duration period.
2. Business Loans:
- Business Overdraft: Similar to a personal overdraft, but for businesses.
- Business Revolving Loan: A revolving credit facility for businesses.
- Business Term Loan: A loan with a fixed repayment term for business purposes.
- Inventory Loans: Help businesses cover short-term inventory gaps.
- Invoice Finance: Allows businesses to borrow against outstanding invoices.
- Working Capital Finance: Provides funds for day-to-day business operations.
- Secured Loans: Loans secured by assets, like property or equipment.
- Unsecured Loans: Loans not secured by assets, relying on the borrower's creditworthiness.
- Agricultural Production Loan: Specifically for agricultural businesses.
- MCA Funding: Is a form of business financing where a business receives a lump sum of cash in exchange for a percentage of future sales.
- Industrial Loan/Finance: Is a financing provided to businesses, particularly those in the manufacturing sector.
- Heavy Duty Machinery Loan/Finance: Is a business loan specifically designed to finance the purchase of large, expensive equipment used in industries like construction, manufacturing.
- Fixed Repayments Business Loan: A loan with fixed monthly repayments.
Business Loan Details:
| Loan Type | Min Amount | Max Amount | Term (Months) | Interest Rate (p.a.) |
|---|---|---|---|---|
| Business Term Loan | R5,000 | R500,000 | 12 - 84 | 6% - 16% |
| Business Overdraft | R1,000 | R100,000 | N/A | 9% - 20% |
| Working Capital | R2,000 | R250,000 | 6 - 36 | 7% - 18% |
| Invoice Finance | R500 | R1,000,000 | N/A | Factoring fees + Rate |
| Machinery Loan | R10,000 | R2,000,000 | 24 - 120 | 5% - 14% |
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