Create The Freedom To Do What You Want
With a Personal Loan from Qwiekfin
PERSONAL LOANS UP TO R150,000.00
Are you in need of a loan but you’re blacklisted? Get your Personal Loan at the best interest rates!
Qwiekfin is a nationwide brokerage with over 25 years experience in the credit industry that help clients all over South Africa to obtain PERSONAL LOANS UP TO R150,000.00
We apply for you at our panel of lenders that are all registered with the NCR.
Please note that all our lenders are registered with the NCR. See the below guidelines when applying for a loan:
ANNUAL PERCENTAGE RATES
Minimum loan period 12 months Maximum loan period 60 months. Maximum APR 38% per annum. Representative example: Loan amount R100 000, terms: 36 months APR (Annual Percentage Rate) 28%, monthly service fee R68.40, monthly repayment R4558.00. The interest rate will depend on the loan amount, loan term and credit profile of applicant.
If a client is up to date with his loan repayments, they may qualify for a second or third loan depending on the criteria as set by the loan company. The client will have to apply again and the loan provider will look at the clients profile, affordability, etc. The loan provider will then make a decision based on the rules and regulations as set by the NCR.
IMPLICATIONS OF NON PAYMENTS
There should only be initial cost if your monthly debit order was unsuccessful as a result of insufficient funds or changing bank accounts without prior notice to the service provider. The service provider will try to contact the client in order to resolve the problem.
If the client can’t be found or the problem can’t be solved, it would be handed over to the internal collections department to see if a solution to the problem can be found. If an agreement can’t be reached, the lender can make use of an external collections company or an attorney.
This will lead to an increase in fees and interest. This will have a big influence on the clients credit score and it will be very difficult to get any more credit from any loan provider.
Monthly premiums for loan repayments will be done by direct debit order collection from the clients bank account. Unsuccessful debit order collections may result in the client being charged a fee by his own bank for the unsuccessful transaction.
We Assist Clients Nationwide!
- You must be between the ages of 18 and 65
- Be a permanent SA resident
- Be permanently employed
- Your salary must be paid directly into your bank account
- Your last payslip, or proof of income
- Proof of home address (up to 3 months old)
- 3 months’ bank statements
How to Improve Your Score
- Make monthly payments on time
- Don’t miss any credit card payments
- Pay outstanding balances in full
- Don’t end up in court for late or non-payment
- Notify creditors immediately if you can’t make a payment
- Don’t take out further credit when paying off debt