Unlike banks and other credit providers, we do not conduct any affordability assessments. Our unique approach is particularly beneficial to clients who are not considered credible by mainstream financial institutions in South Africa. We thus even welcome clients who are blacklisted.
It is a privately owned registered credit provider in South Africa – providing short-term loans when you need cash flow fast.
The private-equity funded business is revolutionising the loans industry, as they do not require credibility from our loan applicants. The only requirement is collateral in the form of cars, bakkies & SUVs, trucks, motorbikes and even motorised sports vehicles, like jet skis, where the value of your vehicle determines the loan amount you qualify for.
In addition, the application process is quick, easy and paperless. You can have the cash transferred to the bank account of your choice within 45 minutes. There is no lengthy administrative process, everything is hassle-free.
Plus your privacy is highly respected and absolute discretion is guaranteed throughout the loan process.
Simply complete the online application form and they will contact you. An XCELSIOR representative can even visit you if it’s more convenient than coming to our offices. The full application process takes about 30 minutes.
Their qualified teams quickly assess the asset(s) that you put up as collateral to determine the loan amount you qualify for. Within minutes, the size of the loan is calculated from the value of your vehicle, truck, bike or motor sport vehicles. Based on this assessment, you can get up to 50% of the asset’s value.
In your presence, they will immediately make the payment via electronic funds transfer to the bank account of your choice. This means you can have access to the cash within 30 minutes of starting the application process.
They can collect your security asset, or you can deliver it to us personally. The assets of our clients are stored in a secure place with 24-hour security.
You either repay the full loan amount or service the monthly interest and charges. As soon as you wish to settle your loan, your vehicle will be returned in the same .