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LOAN PRODUCTS FOR:

PORTFOLIO LOANS &

CREDIT LINES

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LoanGIANT Popular Personal Financing Programs & Options

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Portfolio Credit Lines

Flexible financing

6 Mos-10 Year Terms

Home Repair Loans

Get equipment for

any industry.

Consolidation Loans

Consolidate your debts into one loan and payment.

Residential Mortgage

Real estate purchase, expand or refinance.

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Portfolio  Cash Advance

Borrow against future

debit and credit sales

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Doctor / Dentist

Loan programs for surgery and cosmetic procedures.

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Home Based Business

Financing to purchase

or open new location.

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Bridge Loans

NEW Expedited Personal

For immediate funding.

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Pay Later Financing

Get cash in advance

and pay later.

Commercial Mortgage

Real estate purchase,

expand or refinance.

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eQuickment

NEW Equpment financing.

Funding soon as 48 Hours.

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Payday Loans

Advanced funding till your next to 12th pay period.

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USA SMALL BUSINESS LOANS:

  • Flexible financing.

  • 6 month - 10 year terms.

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USA CORPORATE LOANS:

  • Flexible financing.

  • 6 month - 10 year terms.

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USA BUSINESS CREDIT LINES:

  • Flexible financing.

  • 6 month - 10 year terms.

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USA EQUIPMENT FINANCING:

  • Flexible financing.

  • 6 month - 10 year terms.

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USA ASSET BASED LOANS:

  • Flexible financing.

  • 6 month - 10 year terms.

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USA PURCHASE ORDER LOANS:

  • Get cash in advance of slow payments.

  • 6 month - 10 year terms.

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FUNDING BY LOAN TYPE:

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USA COMMERCIAL MORTGAGES:

  • Easily purchase, expand and refinance.

  • 6 month - 10 year terms.

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USA RETAIL SPACE BUILD LOANS:

  • Cash to lease and build out retail space.

  • 6 month - 10 year terms.

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USA PROPERTY AUCTION LOANS:

  • Bid in Cash at your next auction.

  • 6 month - 10 year terms.

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USA HYBRIDGE SBA LOANS:

  • Flexible financing.

  • 6 month - 10 year terms.

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USA STANDARD SBA LOANS:

  • Flexible financing.

  • 6 month - 10 year terms.

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USA ACCOUNTS RECEIVABLE:

  • Flexible financing.

  • 6 month - 10 year terms.

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USA DOCTOR & DENTIST LOANS:

  • Flexible financing.

  • 6 month - 10 year terms.

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USA MERCHANT CASH ADVANCE:

  • Flexible financing.

  • 6 month - 10 year terms.

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USA FRANCHISE FINANCING:

  • Flexible financing.

  • 6 month - 10 year terms.

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SA SMALL BUSINESS LOANS:

  • Flexible financing.

  • 6 month - 10 year terms.

LEARN MORE>

SA BUSINESS LOANS:

  • Flexible financing.

  • 6 month - 10 year terms.

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SA BUSINESS CREDIT LINES:

  • Flexible financing.

  • 6 month - 10 year terms.

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SA DOCTOR & DENTIST LOANS:

  • Flexible financing.

  • 6 month - 10 year terms.

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SA RETAIL CREDIT LINES:

  • Flexible financing.

  • 6 month - 10 year terms.

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SA EQUIPMENT FINANCING:

  • Flexible financing.

  • 6 month - 10 year terms.

LEARN MORE>

FUNDING SOLUTIONS                                FUNDING BY INDUSTRY                            FUNDING BY FEATURE                   FUNDING RESOURCES

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Same Day Funding                          Medical Practice         Dental Practice               No Minimum Credit Score               Qualifying - Quick & Easy

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Fast Business Loans                        Auto Collision       Auto Care / Repair                 New Business / Start-Up                      Required Documents

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Business Line of Credit            Restaurant / Coffee Shop      Bar / Club                 Qualifying - Quick & Easy                                   FAQs

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Start Up Business Funding        Messenger / Shipping  Child / Adult Daycare            Turn IOUs into Cash                     Proof of Business Ownership

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  Hybridge SBA Loan                    Trucking Transport               Contractor                       Equipment Upgrading              Length of time in business

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  eQuickment Funding              eCommerce / eBusiness   Online Business             6 month-10 year Terms                   Your gross monthly deposits

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Performance Advance             Retail Brick & Mortar           Music / Movie                Cannabis Store / Center                Health of your Bank Statements

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     Revenue Advance               Real Estate Broker          Property Manager                   Cash On Hand                         Terms of the loan / funding advance

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Small Business Loans               Beauty / Nail Salon              Health Spa                 Commercial Mortgage                    Merchant Receivable Advances

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Doctors / Dental Loans             Law Practice / Firm    Architect / Engineer              Seasonal Business                      SLOWPAY / INVOICE Solutions     

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Accts Receivable Loans                    Warehouse               Educational                        Purchase Orders                      Using your funding for any purpose

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Merchant Cash Advance       Career / Talent Temp     Pet Store / Pet Spa             Franchise / Subsidiary                  Long-term Business Planned Growth

PERSONAL LOANS - SOUTH AFRICA:

SA PERSONAL LOANS FOR ALL PURPOSES & REASONS:​

Why apply for a portfolio loan with LoanGIANT?

  • It is secure and straightforward to complete your loan application online.

  • Your repayments are fixed at our current interest rate for the full term of your loan. They never go up – no matter how much interest rates do.

  • Repayments are over a term from 24 months up to 6 years.

  • Feedback is given quickly and your money could be in your bank account within 48 hours.

How to apply for a loan?

Apply via our online application form by clicking here.

Call the LoanGIANT Loan Call Center at: +27 078 734 8045 5am - 7pm / 7 Days a week.

What will you need to apply for a loan?

  • A good credit record

  • A regular monthly income of at least R5 000

  • The details of your bank account into which your salary is paid

What documents do you need when you apply for a loan?

  • A clear copy of your South African ID

  • A recent document confirming your residential address

  • Up to 3 months’ recent bank-generated PDF statements or payslips as proof of income

We’ve made applying for personal loans online quick and streamlined. It is also easy for you to upload any documents via our online application.

What can I use my personal loan for?

A LoanGIANT personal loan is paid directly into your bank account and the money can be used for any needs you may have. Whether you’re looking to do home renovations, upgrade your electronics or take a break overseas, a personal loan offers a flexible solution.

What do you get with a LoanGIANT Personal Loan?

When you take out a loan with LoanGIANT you’ll deal with an authorised Financial Services Provider, with many years of financial services experience in South Africa. We support responsible lending, so if your application is approved, you’ll only be approved for an amount that you can afford comfortably. We’ll do our utmost to give you the best offer that we possibly can.

Because LoanGIANT Personal Loans are unsecured this means that we won’t ask you to use your car, home or any other asset as collateral. To apply for a loan is quick and you can also use your loan for anything you want.

For your security and peace of mind, all our loans are subject to the National Credit Act of 2005. Keep in mind, we consider all loan applications and every application is subject to credit approval.

Your loan will include a Personal Protection Plan, which settles your outstanding balance in the event of your death or permanent disability. This plan also offers some cover for temporary disability and retrenchment – and the level of your cover will be based on your risk profile. You can substitute the Personal Protection Plan with a policy of your choice, provided the cover offered is equivalent.

 

LoanGIANT administers loans for FirstRand Bank Limited, an authorised Financial Services and Credit Provider, and has been providing loans to South Africans for over 20 years.

Loan repayment terms range from a minimum of 24 to a maximum of 72 months. The maximum interest rate with regards to a LoanGIANT Personal Loan is 27.25% per annum (compounded monthly). Your rate and initiation fee will be determined according to your personal risk profile. An illustrative example of a R50 000 loan at an interest rate of 27.25% per annum plus a once-off initiation fee of R1 207.50 (added to the loan amount in this example) and a monthly admin fee of R69.00, over 72 months would have a total cost of R 116 623.20. 

PERSONAL LOANS - SOUTH AFRICA:

SA PERSONAL LOANS FOR ALL PURPOSES & REASONS:​

Why apply for a personal loan with LoanGIANT?

  • It is secure and straightforward to complete your loan application online.

  • Your repayments are fixed at our current interest rate for the full term of your loan. They never go up – no matter how much interest rates do.

  • Repayments are over a term from 24 months up to 6 years.

  • Feedback is given quickly and your money could be in your bank account within 48 hours.

How to apply for a loan?

Apply via our online application form by clicking here.

Call the LoanGIANT Loan Call Center at: +27 078 734 8045 5am - 7pm / 7 Days a week.

What will you need to apply for a loan?

  • A good credit record

  • A regular monthly income of at least R5 000

  • The details of your bank account into which your salary is paid

What documents do you need when you apply for a loan?

  • A clear copy of your South African ID

  • A recent document confirming your residential address

  • Up to 3 months’ recent bank-generated PDF statements or payslips as proof of income

We’ve made applying for personal loans online quick and streamlined. It is also easy for you to upload any documents via our online application.

What can I use my personal loan for?

A LoanGIANT personal loan is paid directly into your bank account and the money can be used for any needs you may have. Whether you’re looking to do home renovations, upgrade your electronics or take a break overseas, a personal loan offers a flexible solution.

What do you get with a LoanGIANT Personal Loan?

When you take out a loan with LoanGIANT you’ll deal with an authorised Financial Services Provider, with many years of financial services experience in South Africa. We support responsible lending, so if your application is approved, you’ll only be approved for an amount that you can afford comfortably. We’ll do our utmost to give you the best offer that we possibly can.

Because LoanGIANT Personal Loans are unsecured this means that we won’t ask you to use your car, home or any other asset as collateral. To apply for a loan is quick and you can also use your loan for anything you want.

For your security and peace of mind, all our loans are subject to the National Credit Act of 2005. Keep in mind, we consider all loan applications and every application is subject to credit approval.

Your loan will include a Personal Protection Plan, which settles your outstanding balance in the event of your death or permanent disability. This plan also offers some cover for temporary disability and retrenchment – and the level of your cover will be based on your risk profile. You can substitute the Personal Protection Plan with a policy of your choice, provided the cover offered is equivalent.

LoanGIANT administers loans for FirstRand Bank Limited, an authorised Financial Services and Credit Provider, and has been providing loans to South Africans for over 20 years.

Loan repayment terms range from a minimum of 24 to a maximum of 72 months. The maximum interest rate with regards to a LoanGIANT Personal Loan is 27.25% per annum (compounded monthly). Your rate and initiation fee will be determined according to your personal risk profile. An illustrative example of a R50 000 loan at an interest rate of 27.25% per annum plus a once-off initiation fee of R1 207.50 (added to the loan amount in this example) and a monthly admin fee of R69.00, over 72 months would have a total cost of R 116 623.20. 

Consolidation Loans:

Simplify and save with a LoanGIANT Consolidation Loan.

You get these benefits:

  • A single service fee and credit protection plan.

  • A single fixed monthly payment.

  • Lower monthly payments on your qualifying credit; consolidating debt frees up cash.

  • Our experienced team will handle the admin of settling your credit commitments.

  • You could qualify for further cash in your bank account.

  • A fixed loan term that avoids the cycle of revolving credit. 

What is a Consolidation Loan and how does it work?

Your qualifying accounts are reduced into one single monthly payment at a fixed interest rate. A Consolidation Loan is designed to simplify your finances, so instead of having several lending and credit accounts to manage, you’ll have just one. LoanGIANT handles all the admin of settling your accounts for you. You may also qualify for further monies.

Apply online today to see if you qualify.

Frequently Asked Questions

Why should I use LoanGIANT to consolidate my accounts?

With over 25 years’ experience in providing leading financial services to South Africans, LoanGIANT is an Authorised Financial Services and Registered Credit Provider (NCRCP20), and a business unit of FirstRand Bank Limited.

LoanGIANT will handle all the admin of settling your lending and credit accounts for you, giving you peace of mind.

 

How will a consolidation loan improve my cash flow?

When consolidating debt, your monthly repayment of the qualifying credit will be lower than you are currently paying. Most South Africans who have consolidated their accounts with LoanGIANT increased their cash flow between R1 000 and R1 500 every month. 

 

When should I consider consolidating debts?

If you’re left with very little cash each month after all your qualifying lending and credit accounts have been paid, consolidating debt can be helpful. It’s a financial tool that’s used by businesses and many financially savvy people to simplify their financial affairs, save on administrative costs and free up cash. It's especially helpful in tough economic times.

 

How will LoanGIANT settle my debts?

We’ll let you know for how much your accounts will be settled and will handle the settlement on your behalf. It's your responsibility and will be in your best interest not to re-open or continue to use these accounts.

 

Does debt consolidation affect my credit score?

Debt consolidation stands to benefit your credit score since you’re less likely to miss the repayment of a single loan instead of many individual accounts. However, debt consolidation is only the first step to improving your financial health. The next step is to improve your credit score rating. A poor credit score will negatively impact your chances of getting financial assistance in the future, making it difficult to rent or buy a home, take out a loan or even secure vehicle finance.

 

To get you started, sign up for CreditKnow. CreditKnow is a FREE and secure financial wellness tool that allows you to check your credit score rating and learn how to improve it.

What other benefits can I expect with debt consolidation?

  • You’ll have the convenience of paying a single, fixed monthly payment; plus, a single service fee, and a credit protection plan.

  • The Personal Protection Plan will settle your outstanding loan balance in the event of your death, permanent disability or certain dread diseases.

  • Your monthly repayment of the qualifying credit will be lower than what you’re currently paying. 

  • You may also have the chance to put further monies you may qualify for to good use.

 

What type of accounts can I consolidate?

LoanGIANT will review your credit profile and determine which accounts are eligible for debt consolidation on a case-by-case basis. Qualifying accounts usually include a range of loans (excluding home loans), credit cards, and retail accounts.

 

What do I need to apply for a debt consolidation loan?

A good credit record.

A regular monthly income of at least R5 000.

If you meet those criteria, then you’ll need to supply us with:

  • The details of your bank account into which your salary is paid.

  • Your last 3 months’ payslips or bank statements.

  • A clear copy of your ID document.

  • A recent document confirming your residential address.

 

Loans are subject to the National Credit Act No.34 of 2005. All loan applications are considered and are subject to credit approval. The interest rate with regards to a LoanGIANT Personal Loan varies between 26.75%** an 27.5%** per annum (compounded monthly). All loan includes a once-off initiation fee of up to R 1 207.50** and a monthly service fee of R69.00**. our rate and initiation fee will be determined according to your personal risk profile. For illustration purposes, the figures in this table are calculated at an interest rate of 27.5% per annum. The repayments indicated also include a monthly premium for the Personal Protection Plan of R3.50** per thousand of your loan or part thereof. ** Rates and fees are current as of 19 April 2018 and are subject to change at the discretion of LoanGIANT.

 

Personal Loans Contact us: 078 734 8045 CustomerCare@LoanGIANT.cash *All insurance products are offered by BetterLife Distribution Services Propriety Limited, an authorised financial services provider (FSP Licence No. 24015).

 

BetterLife Protection policies are underwritten by Old Mutual Alternative Risk Transfer Limited, a registered long- term insurer, and administered by IUA Business Solutions (Pty) Ltd (FSP Licence No. 15737), an authorised financial services provider. Short-term insurance policies are underwritten and administered by Auto and General Insurance Company Limited, an authorised financial services provider (FSP Licence No. 16354) Loan FAQ’s Naturally, the thought of signing up for a personal loan must come with numerous questions. To help you find the answer you’re looking for as quickly as possible, we have a list of our most frequently asked questions, along who their answers below. If you can’t find what you are looking for, feel free to contact us directly.

 

Q How do I receive the cash from my loan?

A On approval and acceptance of your loan, we transfer your loan amount directly into your bank account.

 

Q Should I take out insurance to cover my loan?

A “Yes, absolutely!” every LoanGIANT Loan includes a Personal Protection Plan, which settles your outstanding loan balance in the event of your death, permanent disability or certain dread diseases. It also provides limited cover in the event of temporary disability and should you be retrenched, a once-off payment equal to six instalments will be paid put to you. Of course, you’re free to substitute the plan with a policy of your choice, providing the cover is equivalent.

 

Q As a South African citizen, do I require a bank account to take out a loan?

A To qualify for a loan, you must have a South African bank account into which your salary is paid.

 

Q Can I be refused a loan?

A All requests are considered, but your final loan amount will be based on your personal financial profile and is subject to credit approval.

Q Do I have to provide collateral to secure my personal loan?

A No you do not. Personal loans are unsecured.

 

Q Are there any restrictions on what I use my personal loan for?

A There are no restrictions on how you use your personal loan. The money is deposited directly into your bank account, and you can use this money how you choose.

 

Q How do I apply for a personal loan?

A If you are interested, simply complete your details on the online application form to start the process. If you meet our application requirements, an expert loan consultant will be in contact with you to complete the full application over the phone.

 

Q How much can I burrow?

A Loans range from R5000 to R150 000 in increments of R1000. The amount you qualify for is based on your personal financial circumstances and subject to credit* approval.

 

Q What are your repayment terms?

A Repayment terms are between two and six years and are FIXED for the full term of your loan.

 

Q What can I use my personal loan for?

A Your personal loan can be used for any home related or other expenses including:

• Bond registration costs

• Water and electricity deposits

• Moving costs

• Deposit shortfall

• Transfer duty

• Attorney fees

• Any additional items to make your house a home

• Other personal expenses

 

Q How quickly can I get my money?

A Should you be able to provide all the required information when applying for your loan and your application is approved, you will get your cash in next to no time.

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