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Saturday, 19 October, 2019

Frequently asked questions (FAQ)

Who do I contact if I have any questions about my loan?

As we are only the broker that connects you with the actual lender, it is the actual lender who provided you with the loan who you must contact directly with any questions you have.

Why do you not have a contact phone number, or a call centre?

We operate as an online business only and therefore we do not take incoming or make outgoing calls to our customers. All customer service communication is provided either by sending us an email via our Contact Us page on our website, or via our Facebook page.

Are you a legitimate company?

Yes, we certainly are. We are a South African based company. We also work within strict guidelines of the Data Protection and PoPI Act, and we only work with reputable lenders that are licenced by the National Credit Regulator (NCR).

Do you charge any fees to get my loan approved?

No. Unlike other loan brokers, we do NOT charge ANY fees whatsoever for you to use our services.

How soon will I get a response from the lender?

Each lender on our panel has their own procedure and time scales in which they use to process your loan application. Some lenders may process and provide an immediate lending decision, while others may take a few minutes, to a few hours or days. The amount of applications they have in their queue or backlog will also affect the time in which they respond to you.

How soon will I get my money?

Once you have had an official notification of approval from a lender, your funds will usually be paid to your bank account immediately or a within a few minutes, or hours thereafter.

How long does the application process take?

It should take you no longer than 4 minutes to complete and submit a full application form on our website. Based upon your details, we then instantly check which lender is best matched to help you. Matching you up to a lender and a lender giving you a lending decision could take anywhere from 10 mins to a few hours or days.

Are you the actual lender who will lend me money?

No, we are NOT a lender, we are only loan broker. We do not make the lending decision, nor do we lend money. The lender or bank we refer you to is the company that lends you the money.

How much can I apply for?

You are able to apply for an amount of R1,000 up to R150,000 on our website.

What are the interest rates?

It varies. Each lender has their own amount of interest that they charge. If your loan is approved, your lender will disclose the rate of interest with you before you proceed with the loan.

Am I eligible to apply for a loan?

To apply for a loan through us, you must be aged 18 years and over, you must not be under debt review, you must earn over R5,000 per month, you must be permanently employed.

Will you do a credit check on me?

To be able to make a lending decision, the lender will run a credit check on your profile to see if you meet their acceptance criteria.

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