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Atlas Finance Loans

Atlas Finance, a South African micro-lending company providing secure loans of up to R8000 to South Africans, has busted loan boundaries by approving loan applications to its clientele in 60 minutes or less in comparison to some creditors who  take more than two weeks to approve instant cash loans.

Atlas FinanceThis financial institution only gives loans to individuals who can afford to repay them. To ensure a smooth relationship with the creditor, a client should be responsible with his borrowing. Atlas finance is registered with the National Credit Regulator hence the company takes its responsibility in lending seriously.


“We do three in depth credit checks,” says Atlas Finance, a small business with over 170 branches.

  1. The credit conducts an electronic scorecard check Based on information from all the credit bureaus.
  2. Documents such as the client’s payslip, bank statement are analysed; this helps the creditor to determine the amount of cash to allocate a particular client. Information from credit bureaus is also used to confirm a client’s income and expenses.
  3. A face to face interview is done to determine the reason for applying a loan and to make the client be aware of all the terms of the loan.

Being a proud member of Micro-Finance South Africa (MFSA), Atlas Finance’s cost of credit is prescribed by the National Credit Regulator. The interest is calculated at 5% per/month for short term loans of up to R8000.

One important fact a lender should take note of when borrowing from Atlas Finance is that, interest and fees are calculated upfront enabling the lender to know how much he needs to pay back per month.

Atlas Finance was established in 1994 by Jack Halfon, an entrepreneur, avid photographer, who has for the past 20 years shaped his business into a model of ethics and responsibility in the microfinance sector.

“We believe in constant growth and expansion without compromising the quality and ethical service our clients have come to expect,” reads the Atlas Finance website whose company has so for the past 20 years provided over 2 million loans to clients nationwide.

The creditor can be contacted on 0800 204 679

Bayport Financial Services

Bayport loans: Whether you need money for tuition or just want to go on holiday because you have been working hard and deserve the break, Bayport Financial Services is there to assist you. You can get a personal loan of up to R100 000 to even get that business idea you’ve had since you were 16 on the road. You know exactly what you will pay every month because Bayport Financial Services offers affordable and structured repayments with a fixed interest rate throughout your loan term.

Bayport Financial Services LoansYou can live your life to the fullest also keeping in mind that it can be unpredictable which is why Bayport Financial Services has unique insurance packages for your whole family. From as little as R60 per month, you can get funeral cover of up to R50 000 for yourself, spouse, parents and up to five children. Personal Accident Insurance of up R150 000 can cover you, your spouse and up to five children, from only R60 per month.

Having been around the block for a decade Bayport Financial Services knows how to take care of their clientele through services such as mobile consultants and call centres. With these great deals and for peace of mind, there is no reason not to give them a call on 0861 229 7678 or leave your details online at and they will call you back.BBay Fast Little Credit Online

Customers are initially allowed to request any amount up to R2,500 and should they choose to use Wonga more than once and provided they use the service responsibly, Wonga can then increase trust rating which gives more borrowing flexibility.
Wonga’s mission in South Africa is to offer small, short-term loans online with more speed, convenience and flexibility than banks and other  traditional lenders. With a sophisticated risk and decision technology, clients can be assured of having the application processed and approved within minutes.

Applying for Wonga loans is easy and straightforward, a customer can simply go to the online home page and decide how much money they need to borrow and how many days you need it for, the full cost is then displayed. Feedback is provided instantly  and if approved, the cash is released into clients account.

Customers are initially allowed to request any amount up to R2,500 and should they choose to use Wonga more than once and provided they use the service responsibly, Wonga can then increase trust rating which gives more borrowing flexibility.

Wonga can be contacted on 0861966421.

Get up to R120 000 loan with Clientele Limited

Clientelle Loans
Clientelle Loans

Clientele Group is a listed company on the Johannesburg Stock Exchange (JSE), Clientele is accommodating clients whose loan borrowing bracket ranges from R3 000 to R120 000 in increments of R1 000. This personal loan is deposited straight into the applicant’s bank account if the client meets all the necessary requirements.

Clientele Limited’s personal loans are limited to people who meet the below requirements:

  • An applicant should be 18 years or older
  • He or she should be a South African resident
  • The applicant should earn a minimum permanent salary of R2 500 per month or more
  • He or she should have clear credit references
  • When applying, the applicant should have his or her ID number and bank account details used to pay the salary

The Clientele loan application allows applicants to apply online hence no face to face interviews are done. Applications can be done 7 days in a week or over the phone from 8am to 8pm by calling 0861 354 354 or by using a call me back facility available on the website.

One of the requirements is that a client should pay back the loan between a period of 18 and 60 months. The loan facility has fixed rates; the interest in the personal loan will be fixed as per the creditor’s current rate for the full term of the loan period.

“With no fluctuations in the interest rate, the monthly installment is always the same allowing you to plan ahead,” says Clientele Limited.

The creditor has a Personal Protection Plan which enables a client’s outstanding loan balance to be settled in the event of death, permanent disability or if the client contract a dread disease.

Elite Loans – Tailor made finance

Elite Group is a pioneer financial creditor with over 10 branches around the country and offers personal loan amounts of between R300 and R8000. According to Elite, the loans are tailor made to suit individual’s needs.

Elite GroupIf a client qualifies for this loan facility, Elite offers a fully-fledged debit card linked to a master card and utilizes a close looped card for all applicants who qualify for incremental loans. To ensure that money approved for incremental purposes is only utilized for home improvements and education, providers are pre-selected and the card is accepted only at these pre approved suppliers of products and services.

Clients who manage to get this debit card receive all bank services free of charge.

For a client to qualify for this loan facility, he or she has to go through the following lending process:

  • Application document
  • Credit check  and registration
  • Process of loan
  • Activation of electronic payment system/salary deduction
  • Electronic payment to client

Elite Group, a creditor that is instrumental in the establishment of the MFSA (Micro Finance South Africa), has a call centre facility where the whole lending process is done through voice logging and is completed within three minutes. The centre does not only provide service on the micro lending side of the business but rather administer product support and information inquiries from other clients. The use of this facility advances Elite’s operations and reduces costs, while providing a standardized, streamlined uniform service.

Some of the benefits provided by the call centre to the organization and its stuff are as follows:


  • Easy access to responsible credit
  • A solution for a negative credit record
  • Protecting employees from high cost lenders and debt trapping


  • Full financial control
  • Increase in productivity – no need for employees to leave place of work
  • No administration hassles – repayment done through elite’s electronic debit order system

The creditor’s micro lending program has been in existence for twelve years and its software package is used by more than 230 outlets nationwide and is well equipped to support the industry at large. The program is data base structured, user friendly and complies with GAAP (General Accepted Accounting Practice) and the New credit Act.

Elite Group, whose prime objective is to revolutionize the credit industry, can be contacted on 011 475 7705 and emails should be sent to

CashPower Loan from Wesbank

Wesbank’s CashPower Personal Loan gives you flexibility. Firstly, it gives you the option of choosing the loan amount which ranges from R5000 to R150 000. Secondly the repayment period options are from 24 months to 6 years which greatly affects clients monthly instalments.

Wesbank CashPowerThis means that you will not be tied up by conditions that will make your budgeting difficult to handle. You also won’t have the shock of a monthly instalment that has interest rates that could literally bury you because you choose your repayment period. On top of that, the repayments are fixed so you can be rest assured that your monthly instalments remain the same as you are never affected by increasing interest rates.

In a world where time is money, the online application process makes sure that you also have peace of mind in this regard. It is simple. You can either fill in a short form online where you will get a quick response or call 0861 238 252 from Monday to Sunday, 8am-8pm. They will even call you back if you need them to by quickly sending through your contact details online.
You therefore avoid a lot of hassle with the CashPower Loan from Wesbank. You don’t need to go into a physical bank and stand in a queue to get your loan. You don’t need to fill in unnecessary paperwork and you get a response in no time. In order to apply, you need a regular monthly income of R4 500 (proof of income may be required), clear credit references, your ID number and the banking details in which your salary is paid.

It really does put the power back into your hands by not only giving you the cash you need but also makes sure that the process is as painless as possible.

To find out more about the Cash Power Loan from Wesbank, visit them here.

NSFAS Loans – How to Apply

When applying for a NSFAS student loan, applicants must attach the following documents a grade 12 certificate, South African ID, proof of parent’s income, proof of registration at school, college or university of brothers and sisters who live in the same household which can be obtained at the institutions where your brothers and sisters are registered at, certified copies of birth certificate and ID documents, a letter from your doctor to confirm proof of disability if you have a permanent disability, and letter of acceptance from the public university or college where you have applied to study.

How will you repay your loan?
NSFAS has repayments which are reasonably priced for clients; these repayments are based on the salary earned by the applicant and start once your salary is R30 000 or more per year. Payments start at 3% of your annual salary, increasing to a maximum of 8% when your salary reaches R59 300 or more per year. This means you will pay back R900 a year on a salary of R30 000 a year or R84 per month.

Worth noting is that those who are yet to get employment don’t have to repay the loan but they have to provide written proof (in the form of affidavit, valid for three months) to state that they are unemployed.
For more information about NSFAS registration costs, student loans, you should visit the NSFAS website or call them on 0860067327.

Qwiekfin loans

With Qwiekfin Loans Individuals can qualify for a personal loan of up to R150 000 and a home loan of up to R5 000 000. To find out if you qualify, you simply go to their website and fill in a quick form where you have to provide details such as your Nett salary and the loan amount that you are requesting. You also need to be 18 years and older, must be a South African citizen, permanently employed for 3 months and earn a salary of at least R2000 a month. If you are under administration or debt review, unfortunately, you will not be assisted.

Being a Qwiekfin member has a lot of benefits. For an additional fee of R99 per month, you have your own online attorney to assist you with legal matters if needed. On top of that, as a member, you stand to win a R5000 cash prize every month. Qualified attorneys from independent attorney firms will assist you with legal problems by means of telephonic or online consultation on any legal field. Whether you need assistance with clearance of criminal records, maintenance matters, bail applications, criminal matters, drafting of wills, civil claims or labour matters. For more information and for a full loan repayment schedule, visit their website or call 041-592-9339.