RCS loans provided have been designed to provide individuals and families with the much-needed financial support. These loans which are done through a paperless process with no queues and pre-qualification process which lasts seconds offer cash of up to R125,000.The approved amount is deposited into clients account within 24hrs with repayment periods running between 12 to 60 months.
RCS is a South African consumer financial concern which offers customers a range of financial services. With a branch network that extends into Namibia and Botswana, this business house has committed itself to enhancing Peoples lifestyles and protect their financial security through accessible credit solutions.
The product bouquet provided by this highly esteemed financial house is driven to a large extent by cards andloans. The RCS card provides users with access to 19,500 stores.This card provides customers with a monthly statement for all purchases made and there is also death, disability and retrenchment cover.
The creditor was established as a result of a joint venture of two companies namely Lendcor (Pty) Ltd and Solitaire Housing Finance (Pty) Ltd in 2003.
Lendcor (Pty) Ltd finances building materials to all customers who have a clean credit record. Lendcor offers loans from R1000 to R100 000 with a specified period of 60 months for repaying the loan.
The loan facility allows clients to go through some process during the application:
Clients who require an immediate response should SMS “their ID number” and their surname and initials, gross salary to 42997. Vodacom users should SMS the above details to 30633 (free SMS). A client can alternatively call 0860003030 for new business, 080006060 when repeating business and 0860004040 for account related queries.
Client is required to complete an application form with all the required documentation. A client should submit the following documents on this Fax number 0313053031. Latest payslip and a credit application.
When the application has been approved, the creditor will fax the client a Loan Agreement that will be signed by the customer.
Payment of the loan will be made once the client has signed and submiited the paperwork back to the creditor. The paperwork should include a client’s delivery note/invoice and a copy of their ID.
Interested clients can visit the creditor at their offices at 331 Anton Lembede (Smith Street), Mavundla House, Ground floor, Durban, 4000 or alternatively call them on 031 310 7100 . Clients can send emails email@example.com
Business operations at Ithala are divided into four main categories: Ithala Financial services, Ithala properties, Ithala Limited and other strategic business units. Ithala’s head office is situated in Durban and the institution largely draws business from reliable bond originators. Finance solutions also include home loans, home improvement loans, cash loans, property development, commercial loans, personal loans and VAT loans.
VAT Loans are tailored as a short term bridging finance facility to newly established industrial companies for VAT payment on equipment bought or newly established medium sized property owning companies for the payment of VAT in respect of property acquisitions. These loans run for a term of 4 months and auditors can co-sign the agreement and make a pledge to claim the VAT from the receiver and the address and account details for the payment of VAT refunds to that of the auditors. Upon refund of the VAT claim, auditors refund the outstanding amount to Ithala. This facility is only available for newly established companies where no output VAT will be applicable which can reduce the amount of the claim.
In addition, Ithala provides savings bank book, debit card, club save, target save and fixed deposit options. Ithala aims to provide clients with competitive financial solutions to support entrepreneurial success in previously disadvantaged communities. Its 450 staff members dispersed among 51 branches are dedicated to assisting clients with quality and expertise. Contact Ithala on: 031 907 8911.
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 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.
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 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.
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
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 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 firstname.lastname@example.org