We will provide you: Contract rates with pre-paid convenience, Deals on the latest handsets, Handsets backed by Vodacom and MTN.
DebtLab can help you with their professional debt counselling,
The aim of Debt Counselling is to assist you if you have overspent, without having to hand over your assets (e.g. your home). The resulting Debt Management Solution is to develop a repayment plan that is affordable to the consumer and acceptable to the creditors. This is done by outlining an affordable way to pay off all existing debt.
Debt Counselling will be beneficial to you if
- You’re struggling to meet your monthly debt repayments
- You’re getting calls from credit providers and lawyers demanding money
- You want to avoid administration and insolvency
- You want to pay just one amount each month towards all your debt
- You want to solve your debt problems
The Debt counsellor will contact you to
- Calculate the ratio of spend to earn, to determine by how much you are overspending on a monthly basis
- Issue an urgent application for debt review
- Call all your creditors and credit bureaus on your behalf
- Negotiate with creditors for new affordable installments
- Provide a plan for a single monthly payment, which combines all existing debt into a combined fixed monthly installment
- Continue to assist you with all financial decisions until you are debt free
Please Note: A Debt Management Solution will affect your credit rating.
However, if you can’t get a loan, there could already be something wrong with your credit rating in which case you will already be listed on the credit bureau.
Our approved Debt Management Solution partner is a professional service regulated by the new National Credit Act with fully qualified debt counsellors, registered with the National Credit Regulator.
DebtLab offers Cellphone contracts for blacklisted people, you can get a cellphone deal from Samsung, Nokia, Blakberry and many more. ]]>
It cover:
- Disability
- Serious Illness
- Salary Protection, and of course
- Death
Get a Quote By send an SMS “BANK” TO 38647
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debt consolidation loans
In this tough economic situation, the debt problems are spiraling out of control. Most of the people are unable to manage their multiple payday loans and complicate their financial situation. If you’re in a similar situation, then debt negotiation is a preferable option to eliminate your financial woes. Debt consolidation can help you to manage your multiple debts with ease. If you’re wondering whether you can manage to consolidate your debts with bad credit, then relax. There are different types of consolidation loans available that can help poor credit borrowers to consolidate debts.
Are you aware of the consolidation loan for the bad credit borrowers?
Secured Consolidation Loan: The secured consolidation loan is beneficial for borrowers with poor credit report. The interest on this loan is low as you have to back it with security deposit. Therefore, if you default on payment, your property can be repossessed by the creditor. As a result, collateral used against the property lowers the risk of the creditors. A low interest secured loan is beneficial to consolidate your high interest debts.
Here are a few other ways to consolidate debts for high risk borrowers:
1. Home Equity Loan: If your credit report is blemished, then apply for a home equity loan. You may get the loan on low interest rate; thereby it is easier to consolidate your high interest debts. Before applying for the loan, make sure you have enough equity in your property.
2. Transferring Balance: You can apply for a new credit card with introductory offer. If you have poor credit, then you may not apply for a new card. Therefore, find a cosigner with excellent credit rating who can help you get another credit card. The introductory offer cards usually have low or zero interest rate. Therefore, you can transfer your high interest balance to this introductory offer card. You can lower your monthly payments, once you transfer your high interest balance to this new card. Make sure you pay off the debts before the introductory offer expires on the card.
3. Borrow from retirement account: You can take out a loan against your retirement account. If you withdraw fund from your retirement account before you attain the age of 59 ½ years, you may face a penalty. However, it’s necessary to eliminate your high interest debts despite of penalty. Once you pay off your debts, you can continue contributing in your 401k plan.
Therefore, you need to remember the above mentioned points when you plan to take out loan for debt consolidation with poor credit.
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Getting a loan with Clientèle:
- You can apply for any amount from R3 000 to R120 000 in increments of R1 000.
- You have 18 – 60 months to repay the loan.
- If you are approved, you can use your loan however you like – school fees, much needed car repairs, renovations, account consolidation and more!
Fixed Interest Rates:
- The interest on the personal loan will be fixed at our current rate for the full term of the loan period.
- With no fluctuations in the interest rate, the monthly instalment is always the same, allowing you to plan ahead.
Quick and Easy Loan Application:
- Access the online loan application page
- Applying for a Clientèle personal loan can be done 7 days a week from 8 am – 8 pm over the phone by calling 0861 354 354 or,
- By completing the CALL ME BACK form on the right.
- No face-to-face interviews needed.
- The loan is unsecured.
- Paid by direct deposit into your bank account.
- If approved, the loan will be finalised in 48 hours.
You Qualify for a Personal Loan you must:
- Be 18 years or older.
- Be a South African resident.
- Earn a minimum permanent salary of R2 500 per monthor more.
- Clear credit references.
- When applying, have your ID number and your bank account details where your salary is paid into at hand.
Peace Of Mind – The Personal Protection Plan
At Clientèle Loans, we are concerned about your financial well being so we have included the Personal Protection Plan which enables your outstanding loan balance to be settled in the event of your death, permanent disability or if you contract a dread disease.
A temporary disability and retrenchment will qualify you for limited cover where your premiums are covered for up to six months. The choice of the Personal Protection Plan is yours but it must have coverage equivalent to the Clientèle Protection Plan.
Your personal loan is arranged exclusively for you through Clientèle Loans Direct and Direct Axis, established authorised Financial Services Providers in South Africa. Lending responsibly are their goals and are done in compliance with the National Credit Act No.34 of 2005.
All requests are considered, but the final loan amount allowed will be subject to your personal financial profile and credit approval. This is to stop you over committing yourself to a loan that you cannot repay.
]]>Apply now
]]>- Step 1: Take only your South African ID book, no bank statement, pay slip or proof of address required.
- Step 2: Visit on of 1400 Pep store in South Africa.
- Step 3: Then you will get an sms within 15 min notification notifying you of whether you qualify for a loan.
Cash Converters instant cash personal loan
Need Instant Cash or a PadDay advance? Cash Converter can help you get the money you need fast, a payday advance is a small, short term loan against your next salary.
You will get cash in your hand today and via a debit order on your payday, to qualify for a payday loan you must be permanently employed and must have a bank account.
How to apply?
You can just apply at one of our branches and all you have to bring is the following documents.
- South African ID Book
- Proof of residence
- 3 months bank statement
- Latest pay slip
- Contact details
Cash Converters instant cash personal loan
King Cash Loans and finance are between R2 000 and R15 000 for a personal loan, easy personal loan repayment terms with 1 to 18 months to pay, no security, in the form of personal possessions, is required.
They also offre Personal Protection Plan is included with all loans: ensuring your debt is settled in the event of death or disability.
How much will you pay??
If we don’t know you yet, this is a bit like asking “how long is a piece of string” but take heart and remember: King Cash is governed by the NCR, and ‘Loan Shark’ tactics will not be tolerated. Don’t forget we’ve got 60 years of lending under our belts and credibility is at the backbone of our longevity, it also means that King Cash is no fly-by-night service provider.
Your loan repayment amount will depend on:
- your credibility,
- the total loan amount
- the repayment term
The best way to find out what you’ll be required to pay is to call us on FREE on 0800 113 637 and apply for the loan amount first. If you’re approved, all the details will be provided to you and you can then accept or decline. Remember with King Cash there is no obligation to take up the loan.
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