LCT Finance

LCT Finance
LCT Finance

LCT Finance offers personal and blacklisted loans as well as payday loans to South Africans. Clients can apply for cash payout amounts of R20 000 which should be repaid within 20 months.

LCT finance allows its clients to make loan applications online which has a personalized tracking system; the creditor approves loans in 24 hours if clients submit all the required information. Worth noting is that interest will be too high for customers who don’t pay their loans on time. Clients are also encouraged to read the terms and conditions of the loans before they sign for it.

LCT loan facility comes with benefits such as:

  • Knowing your credit rating
  • Getting informed of bad debts
  • Have a shield between you and your creditors
  • Being protected as a consumer

The creditor also offers a 4 in 1 package which includes a q-assist program, free loan finding service and a full credit report.

LCT Finance can be visited at Siphosethu Road, Mount Edgecombe, 4300. Clients can call the creditor on 0313592747.

Iemas Loans Financial Services

IEMAS Financial Services, a co-operative finance creditor is providing competitive financial solutions to its members around South Africa and ensuring that they receive products that suit their individual needs.

IEMAS loans

Iemas financial services
Iemas financial services

With a history of spanning over more than 70 years in the financial services industry, IEMAS provides a comprehensive range of financial products such as vehicle finance, mini and maxi loans, personal and emergency loans and pension backed loans.

The co-operative also offers a purchase card, short term insurance and life insurance products. IEMAS members receive an annual tax free benefit allocation on the interest paid throughout the year, as well as on purchases made with the purchase card and on short term insurance premiums.

How to become an IEMAS member
IEMAS has agreements with more than 600 employers to provide products and services to their employees. If you are working for one of these employers or if you are unsure, please contact any one of IEMAS branches to find out which products are eligible for you to apply. But the creditor has a short term insurance quotation available to the general public.
If your employer is not contracted to TEMAS, please send your details to any of the senior managers in order for them to get in touch with IEMAS. IEMAS will arrange a professional presentation for your employer and begin a long term relationship.

The IEMAS purchase card
The card is the only tool a client needs to use when paying for groceries, shoes and other things. It is through this electronic card that a client receives an annual benefit payment on his purchases (excluding fuel) and he can use his Purchase card for online purchases through the Lifestyle Programme and receive more great discounts.
This card can be used at more than 7 000 shopping points, including national suppliers such as Woolworths, Shoprite, checkers, Hyperama, Game, Dis-Chem, Pep Stores, Ackermans, Bata Shoes, Builders warehouse, Shoe City, Cape Union Mart, Old Khaki and Poetry and Tekkie Town.
The creditor is an authorized financial services and creditor provider whose registration number is NCRCP 1332/FSP 15815

Debtlab Loans

DebtLab is offering a variety of services that include cell phone contracts, personal loans, credit cards, debt management and life insurance quotes.

Debtlab a three step online application form and offers loans of between R500 to R150 000.

Debtlab loans
Debtlab loans

According to its website, DebtLab has the ability and knowledge to negotiate with many renowned lenders on behalf of the client and secure quick and hassle free loan approvals. Based on the details, DebtLab will submit the application to its partner that best suits the client’s needs.

“We take ownership of all the paperwork, making it more convenient for you. Best of all, there is no additional charge to you for making use of our service,” says DebtLab.

“We and our partners have been assisting individuals and businesses for years and you can be assured that you are dealing with companies who understand your financial circumstances. We will do our utmost to assist,” says the creditor.

Debtlab has a skilled team of call centre agents who process all applications within 24 hours and information received from clients remains confidential.

The creditor allows insurance firms to give its client multiple insurance quotes from South Africa’s largest and most respected insurance companies. The creditor submits the client’s details instantly to provide them with comparative insurance quotes and advice.

The creditor says using Debtlab insurance has benefits such as;

  • Insurance firms call you
  • Obligation free service – a client gets multiple quotes without the obligation to use them
  • Save time – one short online form and that allows the creditor to quickly find you the best deals
  • Save money – a client selects the best insurance quote which meets their needs

DebtLab can be contacted on 021 300 1077.

Moneystar Loans

Moneystar Financial Services (Pty) Ltd, is offering customers term loans of up to R15 000, repayable over a maximum period of 18 moths. The creditor does not only offer loans but rather offers cellular contracts and risk services.


According to Moneystar, all credit agreements are granted within the framework, rules and regulations of the National credit Act and all loans also include a credit life protection plan.
Moneystar’s cellular contracts service is associated with brands like Vodacom, Samsung, Nokia, LG, HTC and Blackberry. The creditor’s risk service is a long term insurance facility that provides credit life insurance cover during the term of the credit agreement. In case of death, total and permanent disability, the credit life insurance policy assists the client to meet payment obligations in terms of the credit agreement.

The creditor allows applicants to apply for loans online, thus it is advisable that a client should read the privacy policy disclaimer pages available on the website before they commit themselves to the agreement.

The financial institution has 14 branches in the following places, Germiston, Polokwane, Nelspruit, Bloemfontein, Witbank, Krugersdorp, Alberton, Arcadia, Benoni, Boksburg, Johannesburg, Pretoria, Rissik Street Johannesburg and Vereeniging.
The customer care contact details are 0861 66 63 97 and