Categories
Personal Loans

Payday Loans no Documents Required

Payday Loans no Documents Required and no credit check these types of loans are sometimes called one month loans this is due to the fact that the repayment period is within a month, in other words the loan must be pay 31 days after taking the loan which for most people this could be when they get paid on their payday. So in many instances you would take a loan on your payday or after you pay has been finished and you want a boost.

Why Payday Loans don’t require documents

To be real in today’s world you can not apply and get a personal loan without documents right, but with the payday loan you can and this is done in many ways, you can do it online, at the ATM, or at the branch of the bank that you are banking with.

Payday loans are provided to people who are already a client of a bank or credit provider, these providers already have your financial records, your documents and fica documents because your are already a customer or you are banking with them, so that is why they don’t want your documents.

How can you apply for Payday Loan

Credit providers who mostly offer Payday Loans are the banking institutes; FNB, Standard Bank, ABSA Bank, Nedbank and Capitec and other loan providers such as Old Mutual etc. For the banking institutes they provide a more convenient way of getting a payday loan; you can get it on the banking app, on the atm and internet banking.

Note that this loan needs to be paid with a month of taking it, when you get paid at the end of the month the banks usually take the money automatically you wont even notice but you will see your statement and money balance will tell you.

How much can you borrow on a Payday Loan

You can get as much as you need but in many cases the maximum is based on the individual profile, salary and the money coming into you bank account, it is wise not to take to much many as you will end up in a cycle of paying back the money then you are broke then you borrow again.

Payday Loan
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Insurance

Why is the Personal Loan Customer Protection Plan Important?

The personal loan customer protection plan is very vital especially when you are taking any form of credit whether it is an overdraft, revolving credit loan, student loan or personal loan, according to the nichemarket.co.za website there are about 6 million South Africans who are currently blacklisted, so the customer protection plan protect you from getting blacklisted in the event that you can not repay your credit, this maybe due to a number of reasons such as being retrenched from work or temporarily disabled.

Life is not predictable and anything can happen such as losing your job and other factors that could make you be unable to repay your credit or loan, so it is advisable to ask your service loan or credit provider if they do offer their customers a credit customer protection plan, if they don’t you might be tempted to take the loan or credit provided, but it is wise to think about the future and protect your self, rather take credit to a provider that offers the protection plan.

Who provides customer protection plan

Most of the credit providers are under written by the actual insurance providers, for example Capitec Bank is under written by guardrisk. Just to name a few companies that do provide the customer protection plan:

  • Capitec Bank: credit insurance
  • FNB: Debt protection plans
  • Sanlam: Credit Life Cover
  • Old Mutual Finance: Credit Life Insurance
  • Nebank: Personal loan insurance
  • Standard Bank: Loan Protection Plan
  • Direct Axis: Personal Protection Plan
  • RCS: Customer Protection Insurance
consumer protection for insurance, protection
Categories
Personal Loans

How to get an FNB Personal Loan

The FNB Personal Loan will give you the money you need to reach your desired goal a loan which is up to R300 000, FNB Personal Loan can help you in the period that we are living in now as things are tough, and companies that we work for do not pay enough money for us to get the things that we wish for. By getting the FNB Personal Loan you are guaranteed that you will at least boost your needs in the times of uncertainty and discontent.

The Benefits of getting a FNB Personal Loan

What make the FNB Personal Loan unique is the benefits that you get when you qualify for this loan, such as taking a break in January, personalised interest rate as low as 12.75%, loan amount which is from R1000 – R300 000, a fixed and flexible monthly repayments, you also get a customer Protection Plan which make sure you are covered with our credit insurance, what is even better is that you get no penalty fees on early settlement as FNB will not charge you any penalties if you settle your loan account early.

What is needed for you to qualify for FNB Personal Loan

Before you even apply for the FNB Personal Loan make sure that you reach the bellow criteria, its best for you to know what is required instead of applying and getting rejected after that.

  • You must be between the ages of 18 and 64
  • Be a permanent SA resident
  • Be permanently employed or self-employed
  • Your salary must be paid directly into your bank account

How to get an FNB Personal Loan
As long as you meet the above qualify criteria, you can go ahead and apply for the FNB Personal Loan, there are a number of ways that you can apply.

  • FNB Banking App
  • Cellphone Banking *120*321#
  • ATM
  • Online on fnb.co.za

Document that are needed

You need to have all the necessary documents for you to successfully apply, be approved and get your money so that you can do your desired needs.

  • South African green-bar coded ID or Smart Card ID
  • Your most recent payslip
  • Proof of residence not older than 3 months
  • 3 months bank statements for non-FNB customers
  • 6 months bank statements for non-FNB banked self-employed customers

FNB Contact Details

Telephone: 087 730 5596

FNB Personal Loan
Categories
Personal Loans

Blue Chimp Finance

Blue Chimp Finance is the number 1 leading credit provider in South Africa with their best offers of the loan whether you looking for short or personal loan they got it all with their simple online application that you do not need to stand in long queues, Blue Chimp Finance is the same day payment and it is safe and secured.

What you need to apply:

  • Identity document.
  • Payslip.
  • Proof of residence.

What they offer:

Blue Chimp Finance is the biggest credit provider they offer loans from R500 – R150 000 with the repayment term of 1 – 60 months all is in your hands with Blue Chimp Finance apply at the comfortable place of your home and get the best of the loan, the loan has low-interest rates and fixed terms and you also get insurance.

Contact details

Website:www.bluechimpfin.co.za

Blue Chimp Finance

Categories
Personal Loans

Letsatsi Short Term Loan

Letsatsi Short Term Loan comes in when you have no alternative plan like when your car breaks or you in need for cash to settle little debts, they can offer you loans with low-interest rates that does not even take more of your time when applying all you need is to have the needed documents and apply online or at the branch is quick and easy Letsatsi Short Term Loan has made millions of South African people to enjoy life through the loan so could you.

Documents needed to apply:

  • Identity document.
  • Payslip.
  • Proof of residence.

What the loan offer:

Letsatsi Short Term Loan offers loans from R500 – R5000 with the repayment term of 1 – 6 months, insurance, fixed repayment term through the loan term, online application that is free and quick for you to get the loan in time Letsatsi Short Term Loan gives you the loan instantly.

Contact details

Call:011 802 4073 / 0860 992 998
Website:www.letsatsifinance.co.za

Litsatsi Short Term Loan

Categories
Personal Loans

Direct Axis Loan

Direct Axis Loan is the loan that can be applied for online or by visiting the branch have a good credit record then you can apply, choose the loan that you want whether is personal loan or consolidaiton loan is up to you to choose the one that you like and the loan it can be used for your needs Direct Axis Loan offers a flexible solution for your need.

Documents needed:

  • Identity document.
  • Payslip.
  • Proof of residence.

Direct Axis Loan knows what people want when it comes to loans so they offer loans from R2000 – R250 000 with the repayment term of 1 – 72 months, online application that is paperless, insurance and fixed repayment term through the loan term Direct Axis Loan makes it easy for you to get the best in Loans.

Contact details

Call:0861 02 03 04
Website:www.directaxis.co.za

Direct Axis Loan Application
Categories
Personal Loans

RCS Online Loan

RCS Online Loan has made it easy and affordable to apply online no need to visit the branch apply at the comfort of your own home and place, choose the loan that you like and get to settle your debts and even making changes in your own home like renovating and even buying a new car RCS Online Loan is for you when you in need apply today and have a life-changing with the affordable loan.

What you need to apply for RCS Online Loan:

  • Identity document.
  • Payslip.
  • Proof of residence.

What does RCS Online Loan offer:

  • Loans from R2000 – R250 000.
  • Paperless application.
  • Repayment term of 1 – 60 months.
  • Low interest rates.
  • Insurance.
  • Free Montlhy Statement.
  • Cash in your account in 24 hours.

RCS Online Loan Contact details

Call:0861 77 55 22
Website:www.rcs.co.za

RCS Loan Online

Categories
Personal Loans

African Bank Debt Consolidation Loan

The African Bank Debt Consolidation Loan if for people who have a lot of debt, have you found your self in a situation were when you get paid month end and your salary just get finished by debit order debt, or you just have too many personal loans or loans in general, then the African Bank Debt Consolidation Loan is for you.

What the African Bank Debt Consolidation Loan does is that it combines all your debt into one month payment a month, this is really useful when it comes to managing your finances and getting your self back to your feet in terms of your finances.

Lets put this into a practical perspective, let say you have a loan with Standard Bank, ABSA, Capitec and another loan provider, African Bank Debt Consolidation Loan will combine up to 5 loans into one single consolidation of up to R250 000 and get one lower repayment

African Bank Debt Consolidation Loan Benefits
  • Lower Repayments: Lock interest on your loans with a fixed interest rate and less fees on one loan repayment.
  • Flexible Terms: Improve your cash flow, repayment terms from 12 to 72 months.
  • Convenient Process: No settlement quotes are required. Proof of payment that your loans have been settled.
  • Choose Your Break: Choose your break on your qualifying consolidation and for one month, take a break on your repayment.
Loan Requirements

To apply for the African Bank Debt Consolidation Loan you need the following:

  • Most recent proof of income, reflecting three salary deposits
  • Proof of residence not older than three months
  • You must be over 18 to apply for a Loan
  • Latest bank statement, reflecting three salary deposits

Categories
Personal Loans

Old Mutual Personal Loan

Old Mutual Personal Loan is the loan that is offered online or by visiting the branch you can choose the best way for you to apply, life it can be take you were you never thought u can be so with Old Mutual Personal Loan you always know you are secured with low rates and easy repayment thats all you need to get your life going.

What Documents are needed for Old Mutual Personal Loan

  • Identity document.
  • Payslip.
  • Proof of residence.

What does Old Mutual Personal Loan offer:

Old Mutual Personal Loan offers loans of up to R200 000 with the repayment term of 6 – 72 months, online application, low-interest rates, fixed repayment term and insurance Old Mutual Personal Loan gives you the best when it comes to loans.

Old Mutual Personal Loan Contact details

Call:0860 000 886
Website:www.oldmutualfinance.co.za




Old Mutual Personal Loan
Categories
Personal Loans

Capitec Temporary Loan

Capitec Temporary Loan if offered by the best bank in South Africa as dubbed by Forbes Africa, the Capitec Bank Temporary Loan is very vital especially if you are in need of quick cash or emergency funds. Depending on how much you need at that moment it can be from R1000 to R250 000 over 1 – 84 months, the 1 month repayment plan qualifies as the temporary loan as soon as you go beyond this payment period you are now under a pure Capitec Bank Personal Loan.

Capitec Bank Loan Benefits

Capetec is the best bank in South Africa for best service to its customers and including the best product that they offer; for example when you take a loan from Capitec Bank you choose between the amount you want, the monthly installment that suits your pocket, or the option that gives you the lowest interest rate, and on top of that the loan is approved in minutes and the money is available immediately.

The monthly repayment are fixed they never increase, you get interest rates from 12.9%, you can also consolidate all your existing loans for easier monthly repayments, add affordable credit insurance, including retrenchment and death cover and manage your credit using the Capitec Bank app.

How can you apply for the Capitec Bank Loan

Capitec provides different ways to apply for the loan, which is super convenient for its customers and customers to be;

  • Online
  • The Capitec Bank app
  • Visit the nearest Capitec Bank branch
  • Call us on 0860 66 77 89

What documents do you need to apply

To apply for a Capitec Temporary Loan you must meet the below requirement and also have the relevant documents

  • Original identification document (must be 18 years or older). If your name and/or surname differs from your identification document, a marriage certificate, divorce court order or name change letter will be required.
  • Latest salary slip
  • Any original bank statement showing your latest 3 consecutive salary deposits into an account in your name (an over-the-counter bank statement must be stamped)

Please note that the loan approval is based on your affordability and credit profile;

  • Your banking and credit history
  • Your income and expenses to see how much you can afford
  • How stable your source of income is, to make the best offer
  • You choose the credit amount that you want
  • You choose the monthly installment that suits your cash flow or the option that gives you the best interest rate
Capitec-Bank Temporary Loan