Saturday, September 7, 2019

Capitec Loan Review

Capitecbank Loan


Get long-term personalised loan of up to R250 000, a credit card, a credit facility for daily needs with Capitecbank Loan, or apply for a home loan by SA Home Loans.

Personalised Capitec Credit Loan

Complete a free instant online estimate and they will call you to personalise your offer based on your credit profile and need.

benefits of Capitec personalised loan 

Whether you need to do home improvements, pay for your children's education to secure their future or buy a reliable car to get your family there safely – living better starts when you get credit for the right reasons.

A personalised loan means that you get the best offer based on your profile and your need, with lower fees and at the best possible interest rate. 

Remember that the term will affect your instalments, so be sure that you'll be able to repay the monthly instalments over the whole term.

Get up to R250 000 over 1 – 84 months
Choose between the amount you want, the monthly installment that suits your pocket, or the option that gives you the lowest interest rate.

Credit is approved in minutes and the money is available immediately

Pay fixed monthly repayments

Get interest rates from 12.9%

Consolidate all your existing loans for easier monthly repayments

Add affordable credit insurance, including retrenchment and death cover

Manage your credit using our app.

How To Apply For Capitecbank Personalized Loan

1. Online
2. On our app
3. Visit your nearest branch
4. Call us on 0860 66 77 89

Your offer is based on your affordability and credit profile

1. Your banking and credit history

2. Your income and expenses to see how much you can afford

3. How stable your source of income is, to make the best offer

4. You choose the credit amount that you want

5..You choose the monthly installment that suits your cash flow or the option that gives you the best interest rate


Documents You Need When Applying


• 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)

Capitec Credit Card Features 


1. Access to all your accounts

2. Earn 4.75% per year on a positive balance

3. Up to 55 days interest-free period
Personalised credit based on your profile and affordability

4. Credit limit of up to R250 000
Pay a personalised interest rate from 10% per year

5. Secure online purchases

6. Do cashless payments (zero fees worldwide at Mastercard®
card machines, online and for telephone and mail orders)

7. No currency conversion fees for card purchases overseas

8. Manage your credit card on our app.

How To Apply For Capitec Credit Card 

• Visit a Capitec Bank branch with these documents

• Original identification document (must be 18 years or older). If you are married and your surname is no longer the same as indicated in your identification document, a marriage certificate will be required.

• Latest salary slip
Stamped bank statement showing your latest 3 salary deposits

• Save time and try our online estimate to see what you qualify for before going to a branch.

Rates and fees
Initiation fee: R100
Monthly fee: R35
Interest rate: 10.00% – 20.50% (based on your credit profile).

Capitec Credit Facility Loan


Do you have an unplanned expense or would like to be prepared for emergency situations? Get a credit facility of up to R5 000 in minutes to take care of your needs.

What is a credit facility?

• Get up to R5 000 (depending on your affordability assessment)

• The money is available immediately so you can do card payments or get cash at supermarket tills and ATMs

• It's easy to use – transfer money to your transaction/savings account using your cellphone or Internet banking (Remote Banking) and our ATMs

• Must be paid back in full each month

• Reviewed at a branch every 9 months for your convenience

Capitec Credit Facility Rates And Fees

• Initiation fee: R172.5 for the first R1 000 transfer up to R649.75 for following transfers

• Monthly fee: R35 (without active balance owing) R69 (with active balance owing)

Capitec Home Loan By SA Home Loans

Get up to R5 million over 240 months. Apply online to get up to 100% of the home value, or visit our Gauteng branches or selected KwaZulu-Natal and Western Cape branches to get up to 90% of the home value.

About the home loan by SA Home Loans

• Easy online application process

• Up to 100% of the home value when you apply online

• Up to 90% of the home value when you apply in-branch

• Based on your credit profile and affordability

• Special deals available for qualifying government employees

• An SA Home Loans consultant will contact you within 2 working days

• Approval within 5 working days after all your documents have been provided

Affordability

Online

Work out your affordability by clicking on the calculate, apply and track button at the bottom of this page.

At a Capitec Bank branch

Speak to a Capitec Bank service consultant to see how much you qualify for based on your personal credit profile. Factors that may influence your application:

Monthly income (or joint income) and expenses

A deposit that can be up to 15% of the home loan amount

Ways To Apply

1. Apply online

Scroll to the bottom of this page and click on the calculate, apply and track button to see what you can afford, what you could get and apply for a home loan.

2. Visit a Capitec Bank branch

Visit any of our Gauteng branches or selected KwaZulu-Natal and Western Cape branches and speak to a service consultant.

• We need verbal confirmation of a signed offer to purchase

• You must be 18 – 60 years old

• You must not be under debt counseling

What happens next?

SA Home Loans will contact you in 2 working days.

You will need the following documents to complete your application:

Copy of signed offer to purchase
ID document (for joint home loans, both applicants’ ID documents)

Copy of marriage certificate and/or antenuptial contract

3 months’ salary slips

Stamped 3-month bank statement(s).

How To Qualify For Capitec Loan 


If you answer 'Yes' to all of the following questions, you could qualify for credit:

Are you 18 years or older?

Do you have a recent stamped bank statement and salary slip or pension letter?

Are you employed (not self-employed) or do you earn a pension?

Have you been with your current employer for longer than 2 months?

Do you earn a salary (not just commission) which is paid into your bank account?

You haven't been handed over, sequestered or placed under debt review/administration?

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Thursday, September 5, 2019

Izwe Loans Review

About Izwe Loans 

Izwe Loans offers flexible and accessible financial solutions to enable customers to enrich their lives.


Izwe Loans are underwritten by the RCS Group, a leading consumer finance business operating in South Africa, Namibia and Botswana. 

RCS offers a range of financial services products under their own brand name, as well as in partnership with leading retailers. 

Loan Companies In Nigeria 
How To Pay Tala Loan 

The core purpose of RCS is to enhance people’s lifestyles and protect their financial security through innovative, desirable and accessible credit solutions.

What Izwe Loans Is About? 

We enable people to enrich their lives by providing them with ready access to useful financial solutions.

Izwe Loans Partnership With RCS Group 

The RCS Group (RCS) is a consumer finance business that offers its customers a range of financial services products under its own brand name and in association with a number of leading retailers in South Africa, Namibia and Botswana. 

The core purpose of RCS is to improve people’s lifestyle by being innovative in offering desirable and accessible credit products. The idea is to enable RCS customers to enjoy the convenience, comfort and peace of mind offered by these credit solutions.

RCS All About :

We offer a range of card, loan and insurance products:

• RCS Card provide convenient credit facilities to consumers. 

• RCS Loans include a cash loan and retail loan offering of up to R250 000. 

• RCS Insurance currently includes Customer Protection Insurance and Accidental Death Cover, as well as Motor and Home Cover.

Features & Benefits Of Izwe Loans & RCS 


Whether you’re looking for extra cash for car repairs, your studies or even a wedding, trust RCS to make it possible. An RCS Loan gives you access to:

A cash loan from R2 000 up to R250 000
Fast, paperless application process
Decision in seconds,

Cash in your account within 24 hours
Flexible repayment options; choose from 12 to 60 months,

Free monthly statement via email or SMS
Customer Protection Insurance,

Interest from as low as 15%,

Representative example: Loan amount of R7,500 borrowed for 24 months. Annual Interest Rate: 27.50%. 

Initiation fee (charged upfront): R936. Monthly service fee: R69  Total Amount payable: R13 312. Monthly instalment amount: R555.


Izwe Personal Loan Review 

Whether you need funds to build or renovate your dream home, pay for your child’s education or you need to consolidate your current debt for any unforeseen expenditure. 

Izwe offer personal loans of up to R250 000 with terms ranging from 12 months – 60 months.

What You Need To Apply For Izwe Personal Loan?

• Your SA ID or driver’s licence.
• You will be required to provide proof of income documentation.
• You must be 18 years or older, with a salary of more than R2000 per month.

Why Izwe Loans?

1. Loans of up to R250 000.

2. Flexible repayment options (from 12 to 60 months).

3. Decision in seconds & cash in your account within 24 hours.

4. Customer Protection* Insurance for your peace of mind.

5.Interest from as low as 15%.

Apply For Izwe Loans Here
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Wednesday, September 4, 2019

How To Pay Tala Loan

Pay For Tala Loan Debt Easily


Tala Loan is one of the loans company that gives you instant loan to your mpesa account, Now the question is how to pay back your Tala Loan?

How Can I Pay Tala Loan?

You can repay your tala loan with M-PESA Xpress or repay your Tala Loan via their Paybill 851900. 

Use your Tala registered phone number as the account number.


Best Way To Repay Your Tala Loan (Step By Step).

According to Tala Loan support:

To make Tala loan repayments:

Step 1: Go to your Safaricom menu and select M-Pesa,

Step 2: From your M-Pesa menu select Lipa na M-Pesa,

Step 3: Select the Pay Bill option,

Step 4: Enter the business number 851900

Step 5: Enter your Tala registered phone number as the account number

Step 6: Enter your payment amount

Step 7: Enter your M-Pesa PIN

Finally Confirm that all details are correct and press \'OK\'

Note: Your M-Pesa payment confirmation will show you have sent the payment to our account Tala Mobile. You will still receive an SMS confirming we have received your payment.

How To Apply For Tala Loan Application Form 

To apply for  a Tala loan, download the Tala app here http://inv.re/5nmq . Then sign up and fill out a short application on the Tala app. The application should only take few minutes. 

How To Increase Your Tala Loan Limit 

Early or on-time payments are the best way to raise your Tala loan limit. But because we consider many factors when determining your loan limit, they cannot guarantee that your loan limit will increase, or by how much.

What Happens If You Have A Tala Loan Late Payment 

It is important to make your payments on time to be able to continue benefiting from Tala's fast, low interest loans. 

Missing loan payments may result in fees, lower loan limits, or the inability to get a subsequent loan from us as well as other lenders.


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Monday, September 2, 2019

Loan Apps In Ghana

Loan Apps In Ghana 


Do you live in Ghana Accra, these loan apps in ghana will help you get a quick easy cash loan as a student, loan as a business man, loan without any security issues in ghana.

Best Loan Apps In Ghana 


1. Barclays Loan Ghana App


This loan app in ghana has over 50,000+ download on play store and good review on it by Ghanaians.

The barclays loan app can be downloaded on IOS and Android which has a download size of 23.55mb offered by Absa group limited.

Barclay's Loan App Review

 Banking Anytime Anywhere

The Barclays loan Mobile App: It’s your bank, now conveniently in your pocket. Enjoy the freedom that comes with doing your banking from anywhere, for free.
The Barclays Mobile App provides a fast, easy and secure way to:

 - access your accounts, send money, and withdraw cash

 - buy airtime and pay your bills directly from your phone

 - use your Mobile Wallet to pay for goods and services on the fly

 - do easy transfers between your accounts

 - save your contacts as beneficiaries to effortlessly manage payment details

 - keep a close eye on your balances and transaction history

Fast and secure convenience, at your fingertips. Download the app now and start the journey to true banking freedom.

And by the way, their app is completely free to use? That’s right, you’ll never get charged for any data used during banking.

2. Standtall Loan App In Ghana 


Lending made easy with StandTall Micro Credit loan app, 

Standtall Microcredit Enterprise is registered with the Registrar General's Department and licensed by the Bank of Ghana. 

It is a good standing member of Micro Credit Association of Ghana (MCAG).

Standtall gives micro credit loans to individuals and businesses at affordable interest rates.

3. Carbon / Paylater Loan App In Ghana 


Get instant loans, invest money, and make payments - all in the Carbon app.

Carbon (formerly Paylater) lets you control your finances with a few clicks. You can get instant short-term loans for urgent needs, invest money to earn high-interest rates, recharge airtime on your mobile phone, and make bill payments for services.

It’s fast, secure, reliable and works 24/7. Currently available in Nigeria.

NEW FEATURES ON CARBON:

With the updated app, you can perform even more financial transactions!

- Use your Wallet to make transactions and earn rewards across Carbon

- Get instant loans of up to ₦1million within minutes. No documents or collateral required

- Grow your wealth. Earn interest of up to 15.5% annually by investing in PayVest, Carbon's high-interest investment plan

- Recharge airtime on any mobile network

- Pay bills for all your favourite services, such as GoTV, DSTV, LCC, or Bet9ja

- Transfer money to friends and family.

4. Instant Personal Loan App In Ghana 


The PaySense app allows you to apply for instant personal loans of up to ₹5 lakhs at attractive interest rates, zero collateral, and flexible EMIs. We have partnered with IIFL and Fullerton for disbursing personal loans.

5 Million+ users have already installed the PaySense app to get an urgent personal loan for emergency cash requirements like marriage expenses, buying a two-wheeler, paying school, medical emergencies and college fees, upgrading to new electronics, paying credit card bills, buying jewelry, for home decor, etc.

It is one of the best Ghana personal loan apps in the market that offers easy loans to both, self-employed and salaried individuals. 

Also, it offers online approvals to early salary loans within 2 working hours, making PaySense one of the instant loans approval apps in the industry.

5. Fairmoney Loan App In Ghana


We provide access to loans with a few clicks on the FairMoney App.

FairMoney understands that managing finances on a day to day can be challenging. This is why we have created a smooth process which facilitates access to credit via your mobile phone anytime, anywhere for all your needs.

Get an instant loan with FairMoney (Interest rate 15 - 30%) and repay it within 1-6 months. Maximum annual APR is 13%, see the representative example plus more information below.

Sign up in minutes, apply and build your loan limit for any financial need with funds directly sent to your bank account via the FairMoney loan app.

WHY FairMoney?

Fairmoney lets you remain in control of your finances, apply for credit on the go 24/7.

✓ Apply for up to ₦150,000. No paperwork, collateral or documents needed.

✓ We provide a credit decision in seconds!

✓ Use the money how you want and achieve your goals.

✓ Spread repayments in multiple
instalments for more flexibility and ease.

✓ Get rewards such as access to higher amounts of money, discounts or flexible interest rates when repayments are made on time.

You can test out other Loan Apps in ghana to have a clearer knowledge on how it works.
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Friday, August 30, 2019

Loan Companies In Nigeria

Personal and business loan borrowers in Nigeria look up-to this loan companies in Nigeria and their interest rate is affordable for anyone who wants to take a loan or borrow money from them. 


Top List Of Loan Companies In Nigeria Without Colleatral 


1..Kwik Cash Loan Company 

Kwik Cash offers both internet-based, app and USSD loan options. It partners with banks, mobile network operators, and technology companies on a mission to make personal banking services convenient and accessible to all Nigerians.

On Kwik Cash, you can get a loan as high as N15,000 at 15% interest rate for 15 days (half a month) 

Requirements to get a loan with kwik cash: 

• BVN
• Platform: USSD, Mobile App
• Interest rate: 15%
• Loan tenure: 1 month
• Top up: No
• Repayment channels: Direct debit.

2. Pettycash Loan Company 

Pettycash is a lending firm with customers in 36 states in Nigeria. They don’t have branches, but they do have enough employees dedicated to helping their customers borrow and invest funds online with their company.
                   
They offer a fully digital experience by providing instant loan to salary earners in Nigerian though their employer or individually. This means their customers can access finance anytime and anywhere.

With pettycash loan you get upto N50,000 quick Loan without colleatral in Nigeria:

• Pettycash Federal Staff Loan

Loan to any Federal government staff in Nigeria. Loan from ₦,5000 to ₦50,000.
       
• Pettycash+

Get up to ₦5,000 emergency loan within 5minutes.

Strictly for salary earners.

• Personal Loan

A Quick loan to salary earners in Nigeria. Get 20% of your salary till payday.Bank statement & direct debit applies.

• Bankers Loan

Loan product to bankers working in Nigeria.

• NYSC LOAN

Loan to corp members currently serving in Nigeria. Loan from ₦1,000 to ₦5,000.

• Market Women

Loan to market women trading in selected markets in Nigeria.

3. FINT Loan Company In Nigeria 

FINT helps match lenders (individuals looking to lend) with creditworthy borrowers for a competitive return and at an attractive interest rate.

The quick loan company offers interest rate based on risk score – using a numerical expression based on a level analysis of a person's information.

Apart from this, like other lending platforms in Nigeria, FINT charges the borrower two fees that are both one-time payments. The first is a verification fee (NGN 3000) and the second is a closing fee (8%). The closing fee is to be paid before disbursement of the fully-funded loan. In addition, a transfer fee (1.8% + NGN100) is passed on to the borrower.

FINT interest rates range from 3% to 5% per month depending on borrower’s risk score.

Requirements: 

• Employment letter, Salary account, Valid ID.
• Platform: Internet
• Interest rate: 3 - 5%
• Loan tenure: 3 to 12 months
• Top up: Yes
• Repayment channels: Cheque, Direct debit.


4. Smart Loan Company 

SmartLoan is an entirely online lending platform / company designed from the ground up to serve your needs. 

When you need money now, SmartLoan is the easiest, safest and most trusted way to get it. SL is a consumer finance initiative powered by Infocrest Cooperative. 

They are committed to providing consumer credit to their target market in the most efficient and convenient manner while ensuring best practices.

They provide Cash Loans to individual, groups and offer Point of sale finance for consumer goods and appliances in partnership with retailers across Plateau.

How SmartLoans Works In Nigeria 

• Introduce Yourself

We’d like to get to know you better. Fill out our brief application form with your information and we’ll review immediately. To register and apply for a loan, all you need to do is:

• Money in Your Account

Once approved, funds are typically received within 1 - 3 business days. If your application is unsuccessful, we will inform you of the reason(s) as you may still be eligible for a loan.

• Repay Your Loan From SmartLoan 

Making on-time repayments can grant you access to higher credit limits for your next loan. If you have any questions regarding our Mobile App.

How much can I borrow from SmartLoan? For how long?

For your first loan, you can borrow up to ₦10,000 for a period of up to 30 days. You decide how much you want and how long you want it for. Once you have paid your first loan on time, the possibility of you receiving a higher credit limit increases. The more times you take a SL loan and repay successfully, the more we can lend to you.

5. Zedvance Loan Company 

Zedvance Limited is a consumer finance company providing a quick and fast loan at a highly competitive rate.

For Zedvance, the interest rate depends largely on how well you can bargain and the level of risk involved in your loan. It is for salary earners in the country.

Zedvance's quick cash loan, interest stands between 4.0% to 4.5% and loan amount largely depends on your net pay.

Using its loan calculator, a loan worth N70,000 for 4 months will attract N82,456 in total repayment.

Requirements: 

• Employment letter, Salary account, Official email address, Valid ID, Utility bill.
• Platform: Internet
• Interest rate: 4 - 4.5%
• Loan tenure: 3 to 12 months
• Top up: Yes
• Repayment channels: Cheque, Direct debit.

6. Rosabon Finance Loan Company 

Rosabon finance is one of the fastest and easiest ways to access a personal loan in Nigeria without collateral.

On Rosabon platform, a loan of N70,000 for interest attracts a 4-month repayment of N82,915. That's about between 4 to 6% per month.

Some of the requirements for getting a quick cash loan from Rosabon finance include being in a paid employment, between 21 and 58 years, have a salary account, have a pension account or tax ID, have a valid Proof of Identification and a recent utility bill.

Requirements: 

• Employment letter, salary account, pension account or tax ID, Valid ID, Utility bill.
• Platform: Internet
• Interest rate: 4 - 6%
• Loan tenure: 3 to 12 months
• Top up: No
• Repayment channels: Cheque, Direct debit.

7. Loandey Company In Nigeria 

LoanDey is to provide you access to personal loans at competitive Interest rate, on time, no collateral and minimal documentation.

How To Get Loan With Loandey In Nigeria 

• Apply In Minutes

The user must fill the personal loan application form available online with required personal data.

• Verification & Approval

Once submitted, your loan application will be verified to check your eligibility for the requested loan options.

• Recive Your Money

After verification and approval of your documents. We will quickly call you to confirm Final Loan Offer. Disbursal is done within minutes.

8. Specta Loan Company 

Specta is an online lending platform and loan company in Nigeria that gives you loans of up to 5 Million in one transaction all within 5 minutes! No collateral, no paperwork and no visit to any office.

9. Renmoney Loan Company 

Renmoney customers can get loans up to N4,000,000 that can be repaid within a period of nine months without tendering collateral or a guarantor.

To apply for a loan on Renmoney, you’ll have to meet certain conditions. Applicants are expected to be between the age of 22-59, have a steady source of income with a functional current or savings bank account and a valid means of identification.

Upon request, the applicant is expected to provide verification of their monthly income and a report of their previous loans from a credit bureau. All these are to be submitted to any Renmoney office for confirmation.

For Renmoney quick loan request, a N70,000 loan would worth N83, 690 in four months repayment plan.

This implies a % between 4% to 4.5% per month.

10. Aella Credit Loan Company 

Aella credit is an app-only easy and quick loan platform. It is designed to help employees access more funds between 1,500 to 700,000 and an interest rate between 4% - 29% monthly.

Aella credit is available in Ghana, Nigeria and the Philippines.

11. C24 Loan Company In Nigeria 

C24 is a financial institution which provides retail loans for consumers in need of quick financial solutions.

The company is focused on delivering services that can be accessed online, from any internet-enabled device anywhere within Lagos.

How To Use C24ng Instant Loan. 

• Check Your Eligibility

Read through our loan requirement to see if you meet our eligibility criterion.

• Personalize Your Offer

Select how much loan you want and how long you want to take it for.

• Borrow & Repay

Once you are done with the application submit your application and you get your loan amount with your own terms within hours.

Loans C24ng Offers? 

• Personal Loans in Nigeria 
• Business Loans in Nigeria 
• Quick Cash Loans in Nigeria 

Why Borrow From These Loan Companies


1. Fast Online Loan 

Our online loan application can be completed within 5 minutes and a loan application feedback is sent to you almost immediately.

2. Flexible Online Loan

Our repayment structure is flexible which means you don’t have to break the bank to payback.

3. Great rates Via Online Loan 

We have the most competitive interest in the market which makes us top choice when it comes to consumer lending.

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