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Trusty Cash Loan (Pty) Ltd
Frequently Asked Questions
Find answers to the most common questions about our loan services
General Questions
What is Trusty Cash Loans?
Trusty Cash Loans is a registered financial services provider offering personal and business loans from R10,000 to R10,000,000. We are committed to providing transparent, reliable loan services with competitive rates.
Are you a registered financial provider?
Yes, we are fully registered with the National Credit Regulator (NCR Registration: NCRCPO10255) and operate under Legal Registration Number 2017/165678/07.
What loan amounts do you offer?
We offer personal loans from R10,000 to R500,000 and business loans from R100,000 to R10,000,000.
What is your interest rate?
We offer competitive interest rates with a fixed 5% APR on all our loan products.
How can I contact Trusty Cash Loans?
You can reach us at 065 928 5513, 063 310 3763, 078 921 8958, or 081 366 8632. Our physical address is 50 Kerk Street, Victoria West.
Application Process
How do I apply for a loan?
You can apply online through our website, visit our office, or call us to start the application process. Our online application is quick and straightforward.
What documents do I need to apply?
You'll need a valid South African ID, proof of income (latest payslips or bank statements), proof of residence, and your most recent bank statements.
How long does the application process take?
Most applications are processed within 24-48 hours. We strive to provide decisions as quickly as possible.
Can I apply if I have bad credit?
Yes, we consider applications from individuals with various credit histories. Each application is assessed on its own merits.
Is there an application fee?
No, we do not charge any application fees. Our fees are transparent and disclosed upfront before you accept the loan.
Repayment
How do I make repayments?
Repayments are automatically deducted from your bank account on the agreed date each month. You can also make manual payments if preferred.
What happens if I miss a payment?
If you anticipate difficulty making a payment, please contact us immediately. We may be able to arrange alternative payment arrangements.
Can I pay off my loan early?
Yes, you can pay off your loan early without any penalties. Early settlement may even reduce the total interest you pay.
What repayment terms are available?
We offer flexible repayment terms from 6 months to 84 months, depending on the loan amount and your financial situation.
Can I change my repayment date?
In most cases, yes. Please contact our customer service team to discuss changing your repayment date.
Eligibility
What are the basic eligibility requirements?
You must be a South African citizen or permanent resident, at least 18 years old, have a regular income, and provide valid identification.
Do I need to be employed to qualify?
While employment is preferred, we also consider applications from self-employed individuals and those with alternative income sources.
What is the minimum income requirement?
There is no fixed minimum income requirement. We assess each application based on your ability to repay the loan comfortably.
Can I apply for a joint loan?
Yes, we offer joint loan applications. Both applicants will need to meet our eligibility criteria and provide the required documentation.
Do you offer loans to businesses?
Yes, we offer business loans from R100,000 to R10,000,000 for established businesses with a trading history.
Still have questions?
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