Loans Online

Welcome to loans online and we are going to looking at all the various types available in South Africa and providing you with an objective overview of the available loans online.

We are going to be adding new reviews daily, so be sure to check back regularly to get the latest news and reviews on all the companies in South Africa, that offer loans as well as the various products and service that they offer.

With so many choices currently in the market, people are looking for reviews to the various choices and that is why we created this informative website, to provide our readers with only the best reviews related to loans in South Africa.

When applying for a personal loan, financial institution generally require the following documentation and this varies from company to company, but will give you a general idea:

Identity document (ID)
Conformation of your physical address
Bank statements

The types of loans vary and if you are looking for a consolidation loan, you will generally need to provide more detailed information related to your accounts and creditors.

We will be going into much more detail and providing you with all the information the various companies require in order for you to apply for a loan.

African Bank

Today we are going to be looking at African bank in closer detail and reviewing their overall performance and various features they offer via their online banking system.

African bank is truly a success story in the making and although they went through a rough patch at some stage, they seem to have recovered and launch themselves back into the banking sector in South Africa.

They offer various products and services and the main products they offer include loans, investments, cards and insurance. These are the major products they offer South Africans and with excellent service they have been one of the favourite banks in South Africa.

Their website (www.africanbank.co.za) is very user friendly and once you login, you can immediately see all the various products they offer and not only do they provide a very informative website but also thorough and this enables anyone logging onto the website, to get all the information they need in order to decide what product they want to apply for and how to go about opening and account.

Through their website, they offer consumers the ability to apply online via an application form or to contact them via a call centre number or visit their nearest branch to find out more. They have got various branches country wide and offer people the ability to walk in, sit down and talk to a consultant about a specific product or service that they are interested in.

African bank has got huge potential and we will continue to follow them and we are sure that they will grow from strength to strength and continue to come up with great products in the future and we can’t wait to see what exciting new services they will bring to the market next year.

Be sure to check back soon, since we will be going into greater detail in the coming weeks, to showcase all their products and services, so that our loyal readers know exactly what they offer and how to contact them either online or via a branch.

Capitec Loans

Today we are going to be looking at Capitec loans in more detail and since we have received allot of enquires related to these loans, we decided to give our readers a broader overview of these loans, to let them know exactly how to apply as well as contact Capitec online.

Capitec loans offer their customers loans up to R250 000, with repayment terms that vary between 1 to 84 months or 7 years. These are very flexible terms and enable anyone who’s looking for a loan to have lower monthly repayments than the more traditional 60 month period or 5 years.

Capitec loans also offer consumers the ability to have their funds available in a very short period of time in the account and thus providing people with a solution, who need the funds quickly in order to do a payment or for whatever reason they might require the funds for.

We have been following them very closely and we must say in our opinion that they offer a very user friendly website with great online internet banking, as well as service delivery and ease of use in order to contact them about the products and services.

They are also very transparent and provide people with the rates and fees applicable to their loans, so that there are no surprises and that they know exactly what they are in for and enable them to plan effectively to repay the loan monthly and incorporate that into their monthly budget.

To contact Capitec Loans, you can either call the customer care line or apply online via online internet banking or visit your nearest capitec branch. They have various branches countrywide and as they continue to expand and grow on South Africa, we will surely see more Capitec branches pooping up in the short and long terms.

We are going to be looking at Capitec Internet Banking in more detail and we can just convey that we ourselves bank with them and the ease of use of the internet banking is great and offers users a very fast and effective way to do bank safe and securely.

We will continue to follow Capitec loans in the future and keep all our readers updated on any new developments as well as products that they might launch in connection with their loans, so be sure to check back regularly to get all the latest news and reviews.

Virgin Money

We are going to reviewing Virgin Money South Africa in more detail today and looking at what they offer and in more detail specifically their credit cards and how you go about to apply for one and hat features they offer related to these cards.

Virgin has not been in South Africa for that long, but they are truly making allot of waves in the industry, since they do offer great service and excellent products related to their cards. Virgin money in particular offers consumers the ability to apply for accredit credit, either online or by contact them via their customer care number.

These features enable anyone looking to get in touch with them, the ability to do such without hassle and apply for card with them. You can either visit their website that are stuffed with information related to their products and services or give them a call to find out more.

We have always been a great supporter of Virgin and since they are involved in so many industries, like the airline industry and even fitness with Virgin active gyms, every industry they touch seem to turn to gold and the money industry is just another success story.

Virgin money offer great service and when you apply for credit card, there are no annual or monthly service fees. That feature alone is something that is unheard of in South Africa and proves that they are truly out of the box thinkers who try and provide the best service to their customers worldwide and specifically in South Africa.

As they continue to grow we will be there to follow them and bring you all the latest news and features related to their service. Virgin money will only go from strength to strength and we will be right there to bring you all the news and reviews related to their money products.

Their website is very user friendly and offers consumers all the information they need related to the cards and do contact us if you do feel that you want more information on Virgin money or a specific review related to a product offering.

Consolidation loans

Consolidation loans offer people the ability to apply for a loan with a financial institution, for example a bank to provide them with peace of mind I paying all the creditors with one go.

We are going to be looking at these types of loans in closer detail today, since more and more people are looking into these consolidation loans as a way to get some debt relief and choose the best option available out there to get out of debt.

Consolidation loans these days are offered by various financial companies and not just banks anymore and you can find loads of information online related to this product. We are going to be providing you with an objective overview; so that you know exactly what you are in for and how to plan to make sure that you are able to afford this type of loan.

There are various companies that offer consolidation loans and the common feature is that you basically apply for a loan that will enable you to pay all your creditors and thus only pay one instalment monthly, till your loan amount has been repaid in full plus interest.

Generally these loan amounts vary, but we have seen through our research that companies offer the loans for people up to R250 000, since the debt people have vary drastically since it can be anything from credit cards, store accounts to loans that they might have taken out.

The feeling of having various accounts that all have different interest rates can really get someone in debt down and that is why consolidation loans enable people to only have 1 instalment with 1 interest rate that they need to discuss with the financial institution in order to make sure that they are able to afford it monthly.

We will be reviewing all the consolidation companies in the coming weeks to follow, so be sure to check back soon to get all the information and best deals in South Africa, related to consolidation loans.

Debt Consolidation

When you start to look at debt consolidation in detail and really drilling down to the core of this service, it starts to make allot of sense why people are getting more interested in this type of service.

With debt growing not only in South Africa, but worldwide, the need for debt consolidation will continue to grow since food prices are rising annually as well petrol and diesel prices and this is snowballing into general life as well that is rising the cost of monthly living and forcing people to look at alternative options to pay all their outstanding debts.

Debt consolidation offers people the freedom to apply for a loan that will enable them to repay all the outstanding creditors and only have one instalment to pay monthly to the financial institution that provided them with a loan. Through debt consolidation people are able to repay all their creditors and only need to pay their bank or financial institution their monthly instalment.

This monthly instalment is linked to your interest rate that you signed up with and is very important to discuss this with them to make sure that you get the best rate from them that you are able to repay monthly. Before you do sign up, make sure that you do add this instalment to your monthly budget to make sure that you are bale to repay the loan over the specified timeline, to give you that peace of mind to get out of debt.

Although there are various companies that offer debt consolidation, we urge to look at each company in detail to make sure that you enough about them as well as the rates they offer clients. Most of the big banks in South Africa also offer this service, so be sure to look at them as well and contact them to find out more about their service offering and product details.

We will be featuring all the debt consolidation companies in South Africa, so be sure to check back soon to get all the latest news and reviews related to these companies.

Home Loan Calculator

Due to the huge number of enquiries related to a home loan calculator, we decided to provide you with all the features and where to find the best home loan calculator online.

When looking at this type of calculator we generally need to insert our deposit amount and bond amount in order to do the calculation. Other fields that need to be available to insert an amount is the interest rate as well as the loan term required for the home loan. An additional feature that we generally look for is an additional calculation that can be made in order to determine what the bond amount and monthly instalment will be if you do additional payments into your home loan.

These were the requirements that we looked for and as we spent many hours looking into these features, we finally found a calculator that ticked all our boxes.

Rawson bond calculator offers all these features and we use their calculator weekly to work out a bond amount and provide you with a very accurate bond repayment amount, in order for you to work out exactly what type of home loan you will be able to afford.

A home loan calculator provides people with the ability to workout objectively what amount they will be able to afford to repay and thus what the limit will be when looking at a new property to buy and ultimately apply for a home loan with a financial institution.

There are various companies that offer this service that includes all the major banks in South Africa and we will be reviewing them online in the coming weeks, in order for you to provide you with an objective review on what you need to know and expect when looking at a home loan.

Personal Loans

Today we are going to be looking at personal loans in closer detail and providing you with all the information about applying for this type of loan as well as the best companies currently in South in the loan industry.

The need for personal loans have grown tremendously over the last couple of years and with so many people looking to stay afloat with the ever increasing cost of living, they are turning to personal loans for assistance. We must clearly state that we do recommend that you do not apply for a personal loan if you aren’t able to afford the monthly repayment and rather look at other options like debt review or debt consolidation to assist if you are in debt.

If you are able to repay the personal loan monthly and do need the loan for assistance for example with home renovations or any other related need that aren’t tied in with monthly survival, then please continue to review all the companies we are going to list on our website, to make the best and clear decision related to the best personal loans in South Africa.

All the various banks in South Africa these days generally offer personal loans and although it might seem the same, the various amounts they offer all differ as well as the repayment terms and loan terms that vary from 1 month to 84 months.

We have received numerous enquiries related to the best companies out there and that is why we will strive to provide you with the best possible reviews on these companies, so that you can determine for yourself what company offers the best deal and service offering.

Personal loans is growing market and with more companies entering the market this type of product, we will continue to review these companies and providing you with all the information related to the best product and service offering in South Africa.

Welcome to Loans Online and we are going to looking at all the various types available in South Africa and providing you with an objective overview of the available loans online.

We are going to be adding new review daily, so be sure to check back regularly to get the attest news and reviews on all the companies in South Africa, that offer loans as well as the various products and service that they offer.

Izwe Loans

Today we are going to be looking at Izwe loans in more detail and exploring all the various loan options they provide consumers in South Africa. Generally most loan providers focus more on personal loans specifically, but Izwe loans have broaden their horizons and offer 4 different types of loans.

Firstly we are going to be looking at their personal loan options and they offer this type of loan for consumers looking for a loan from R5 000 – R40 000.

You use their sliders online to determine how much you need and what the interest and repayment amount will be as well as the term the loan will be available for. Their very user friendly website provide consumers with a very transparent view on what they will be able to afford to repay monthly and we urge everyone to work within your budget and do not apply for a loan that you might not be able to repay monthly.

Secondly they offer Student loans and this is for all upcoming students who need funds to go and study. You can contact them to find out more and with allot of movement currently in the student funding industry, it will be very interesting to see how things turn out in the next couple of years.

They also offer debt consolidation loans and we have an interesting article about debt consolidation loans, which can read about more by clicking here. These types of loans offer people a lifeline who are in debt and with a consolidation loan, you are able to repay all your outstanding creditors and only have 1 instalment to pay monthly.

The fact that you will have only 1 interest rate to deal with is also a big benefit and although this is a good choice, we also urge you to look at debt review as an additional option, to help you get out of debt.

Izwe loans also offer building loans and if you are planning to build your dream home in the near future, be sure to find out more about their offering as well as what is needed to apply and what possible interest rate you will be looking at for your building loan.

We can truly say that we are very impressed with Izwe loans and will continue to follow them closely and keep you updated on all the latest developments from them.

We also have an array of other reviews, so be sure to go through our website and let us know if you do need a specific review that is not listed on our website.

Bruma Finance

One of the top loan company’s currently in South Africa is Bruma finance and we are going to looking in more detail at their service and product offering.

It is important to note that they are registered as a financial services provider and they offer a variety of products that include personal loans and debt consolidation. You read more about these various subjects on our website.

Bruma finance generally offers loans from R1 000-R15 000 and although some lenders do offer larger loans, they cater more for the smaller type loans in the market. They have a very informative website with loads of information related to their products and services and with all their contact details clearly visible, anyone can contact them quite easily to find out more about their products or to enquire about an existing account.

They also offer user the opportunity to apply online via their website and all these features offer their customers a very easy and quick way to apply for a loan with them. The response time to requests is also very quick and as stated on their website, they aim to provide same day feedback related to an application.

The general rule to complete the application is that they will require a copy of your id as well your latest payslip and bank statements. It is best to contact them directly to find out of more documents are required and what exactly they need in terms of verification.

We have been following now for quite some time and have only heard good things about their service offering and they only seem to go from strength to strength and we will continue to follow them closely. They also offer insurance in this regard and we suggest that you do contact them directly to find out more about this service and what exactly it entails.

Their customer care number is also listed on their that you can call them on to find out more and do contact them with any questions or queries related to an existing or new account.