Frequently asked Questions.

Depending on your credit profile, you may qualify for a cash loan amount between R1,000 and R150,000.
Simply complete our online cash loan application form and we will process your application with our credit providers.
Once you have completed the cash loan application form, should it be before 16:00 on a business day (Monday to Friday), you would under normal circumstances receive feedback on your application the following business day via e-mail.
However, as we do use various credit providers and process times and delays outside of control may sometimes prolong the process, as such we normally advise to allow up to five (5) business days.

Many credit providers do have different requirements, but with all of them the following requirements are;

  • You need to be between the ages of 18 to 65.
  • You need to be employed at your current employer for a minimum of three (3) months.
  • You need to earn a gross salary of R3,000 monthly.
  • You need to have your own bank account where your salary is paid into.

Additionallly, credit providers may refuse to accept or process applicants that;

  • Are currently under Debt Review, Debt Administration or Debt Counseling.
  • Have outstanding Defaults or Judgements against them.
  • Are in arrears with any of their accounts.

Lastly, approval for a cash loan is subject to the discretion of the credit provider.

Yes, all of our credit providers perform credit and affordability checks.
We do assist self-employed applicants who would like to apply for a personal cash loan.
Some of our credit providers do assist foreign applicants, but you need to be in possession of a valid South African Identification Document.
Unfortunately we do not assist pensioners in applying for a cash loan. You either need to be employed or self-employed.
You may apply for a cash loan worth as much as R150,000.
The repayment term will be between six (6) and sixty (60) months depending on the loan amount and the repayment value will per as agreed upon in the quotation/contract between the applicant and credit provider during the loan application.
You are not guarenteed to be approved or receive a loan through any of our credit providers. Your credit profile should meet the minimum requirements set forth by the National Credit Act and are still at the discretion of the credit provider.
Once we have started the process and have received the outcome on your cash loan application a consultant will correspond with you a list of documents required as these may vary.
The interest rate is determined by the credit provider and should your loan application be successful an agent will contact you and provide you with a full quotation.
Apart from your monthly repayment done directly to the credit provider there is no fees’ or any charges owed to SA Cash Loans. Our online loan application service is completely free of charge to applicants.
You can follow up on your application by sending an email to queries@sacashloans.co.za or contacting us telephonically on 021 202 1679.
The terms and conditions of the loan is determined by the credit provider and will be discussed between the applicant and credit provider should the applicant qualify for a cash loan.
If your cash loan is approved, and all the required documentation has been received, you should receive the money into your account within forty-eight (48) hours.
An unsecured loan is any loan for which you do not have to supply any surety or collateral.
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