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Frequently Asked Questions

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Looking for loans or other finance online can be tough and we are here to help answer any questions you may have. Keep reading and remember that if you cannot find the answer to your question on this page, either contact the loans or finance company you are interested in applying at on the Company Contacts page or alternatively Contact Us and we will do our best to help. Don't forget it is free to apply to all companies listed on the website and if you have not done so yet please use the menu at the top of the page to browse your available options.

Is applying online safe and why can I only apply online?

We refer to a number of different companies for loans that are all registered with the National Credit Regulator (NCR) meaning you are guaranteed responsible lending practices. Online application is better for many reasons, it is faster, can be done 24 hours a day, reduces unnecessary paperwork and saves on administration costs. If you are pre-approved for a loan using the details you provide, any necessary documents will be requested.

Can I get a loan today?

Whilst we do our best to refer you to loan companies that offer 'quick' loans there can be no guarantee of a same day loan. Lime Loans will do their best to get you a loan within 5 minutes if possible, though for larger loan amounts you can generally expect a decision within 24 to 48 hours during office hours with the correct documentation.

How is a payday loan different from a normal loan?

Payday loans are small loan amounts which are repaid in a single repayment on or just after your next salary date. Interests rates are generally higher than those of normal personal loans though the intention of payday loans is not for long term borrowing. A payday loan gives you access to money in the short term when you need it, with easier application and terms than a bank loan or other loan. Many payday loan providers offer application and approval with no documentation required and payout within 1 hour during office hours making it easier and more convenient than applying at a bank.

Can I get a loan if I am under debt counselling?

At the time of writing it is not legal to get a loan or other finance whilst under debt review / debt counselling. We do not advise applying at any illegal or untrustworthy loan sharks if you need cash, rather speak to your debt counsellor first for advice. An option to consider may be a secured loan against assets you may have that are fully paid such as a car, antiques, art, jewellery, silver, gold or anything else of value from Lamna with no credit checks or payslips required.

I can't make payments, what can I do?

If you are having problems making payments, think you will miss payments or don't think you will be able to repay your loan or finance in full then the first thing to do is to contact the company and speak to them directly. You will find details for all companies listed on this website on the Company Contacts page. Explain in full your current financial situation with any supporting documentation and try and negotiate a restructuring of your loan or finance if possible. Whilst you may have to extend your repayment terms it is preferable to being listed with the credit bureau. If this is not an option or you still have problems with your debt then applying for debt counselling may be an option. This is a legal process that will allow you to reduce your monthly debt repayments, keep your credit record clear as well as be protected from your creditors.

Can I get a new phone on contract with bad credit?

It can be difficult to get a new phone or tablet PC on contract if you have credit problems and most likely you will be declined when you apply. Companies do not like the risk of offering expensive phones to people that are not going to be able to pay them back and run up high bills using their contracts. ezPHONES work with leading cellular service providers in South Africa including MTN, Vodacom, Cell C and Virgin and can often help you get a contract even if you did not qualify when you applied yourself.

Can I get paid from overseas without using cheques?

If you get money from doing internet marketing, selling online or any other legal activity and are finding it difficult to get the funds or have to wait weeks for cheques to arrive then Payoneer may be the solution for you. Sign up is free and you can start using the international payments service making it very easy to get paid from the USA, the European Union and other countries around the world.

Can I get car finance if I have been declined?

Yes, if you are looking for car finance from an independent provider that is registered with the National Credit Regulator (NCR) then Easy Car Finance are here to help. Working with a number of different finance companies the car loan sourcing service is 100% free and wherever possible they will help you get car finance for a new or used vehicle as well as refinance an existing vehicle you may own.

How do I know if I am blacklisted or have bad credit?

If you are getting declined every time you apply for a loan or try and open an account then getting a credit report may be a good idea. Credit Report SA offer a free service that allows you to get credit reports on a monthly basis for free using a sponsorship model. Don't pay for your credit report if you don't have to when you can view your credit status for free.

Will a credit check be performed?

In most cases a credit check will be performed when you apply for any kind of loans or other finance. If you are looking for a loan without credit checks then a secured loan may be answer and you can apply free at Lamna with no payslips required.

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