How long does approval take?
Most applications are evaluated and approved in under 60 minutes during business hours. Once approved, funds are typically transferred the same day. Outside business hours, you'll receive a response the next morning.
How much can I qualify for?
Loan amounts range from R5,000 up to a maximum of R30,000, depending on your asset's market value and condition. Most clients qualify for 50–70% of their asset's value.
Is my vehicle safe in your storage?
Absolutely. Our facilities are monitored 24/7 with CCTV, fully insured against theft and damage, and accessible only to authorised staff. Every asset is logged and inspected on intake and return.
Can I still use my vehicle during the loan?
No — your asset is held in our secure storage as collateral until the loan is settled. This protects both parties and keeps your loan rate competitive compared with alternatives where the asset stays with you.
What documents do I need?
A valid South African ID or passport, proof of residence (less than 3 months old), asset registration papers (NaTIS for vehicles), and proof of ownership. We'll guide you through anything else during your application.
Are there any hidden fees?
Never. Every fee — storage, evaluation, and interest — is disclosed upfront in your written loan offer. What you sign is exactly what you pay. No surprises, no fine-print additions.
What assets do you accept?
Cars, SUVs, bakkies, trucks, motorcycles, caravans, motorhomes, and commercial vehicles. Essentially any movable asset with clean paperwork and verifiable market value.
What happens if I can't repay on time?
Talk to us early. We work with clients to restructure or extend where possible. Default is always the last option — we only proceed to disposal when communication breaks down and other arrangements aren't viable.
Can I settle the loan early?
Yes — early settlement is welcomed and incurs no penalties, ever. You'll only pay interest accrued up to the settlement date. The asset is released to you as soon as the settlement is processed.
How does the evaluation work?
Our specialists inspect the asset's condition, verify paperwork, and check current market values from multiple sources. We aim to offer a fair loan-to-value ratio that protects you and us. Evaluations typically take 30–45 minutes.
Is my information confidential?
Completely. We never share your details with third parties, and all data is encrypted in transit and at rest. Internally, only your dedicated specialist and authorised staff have access to your file.
Where are you located?
We're based in South Africa and serve clients nationally. For asset evaluation and storage, you'll bring the asset to our secure facility — we'll provide directions and arrange a convenient appointment time.