Cash Back Finance – Personal Loans up to R120,000.00

Create the
  • Freedom
  • Choice
to do what you want with a Personal Loan from Cash Back Finance

Are you in need of a loan but you’re blacklisted? Get your Personal Loan at the best interest rates!

Cash Back Finance 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 R120,000.00.

BENEFITS OF BEING A CASH BACK FINANCE MEMBER

  • Personal loan applications up to R120,000.00
  • You will have your own online attorney for assistance you may need with any legal matters.

We have independent attorney firms on our panel with qualified attorneys who will assist you with legal problems by means of telephonic or online consultation on any legal field.

We apply for you at our panel of lenders that are all registered with the NCR.

Complete Form
Await Assessment
Loan Approved
Funds Paid into Account

What We Offer

Competitive Interest Rates

Highly Competitive Interest Rates

Hassle-Free Applications

Quick, Hassle-Free Applications

Fixed Monthly Repayments

Fixed, Minimum Monthly Repayments

Flexible Repayment Options

From 12 to 60 months

Funds in your Account

Funds are paid straight into your Current Account

Loan Options

Variety of Loan Options to meet your Personal needs

and more...

Fast and Easy Paperless Process

> Apply Now

If your application is approved, the loan amount for which you qualify and as requested by you will be paid through electronic fund transfer. No cash payment will be made.


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.

RENEWAL POLICY

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.

To Qualify

  • 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

> Apply Now!

Why Legal Assistance Plan

What do you do when you have a problem or dispute with someone at work or at home? You get a lawyer right? Do you know which attorney to go to? Who is the best attorney to deal with your particular matter? Will you be able to afford R900 per hour attorneys? Is your Will up to date?

Learn More