Rating based on 60 reviews

Xcelsior Loans

Updated November 22, 2023

Short-term loans up to R500,000
Cash in 30 minutes
Repayment up to 36 months

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Author Xcelsior Loans. Screenshot of Xcelsior Loans website.
[Accessed December 8, 2022]

About Xcelsior Loans

Xcelsior has been providing loans online for many years.

Xcelsior aims to ensure that all your finance questions are answered, whatever your financial circumstances are.

Their team of qualified professionals has been with their company for the longest time, and to date, customers both old and new have praised their skill and professionalism.

Short-term finance options you can afford

Xcelsior prides itself on speed and affordability, giving you the opportunity to access online loans - ones you're easily able to afford.

Good credit makes you a low-risk customer. Ultimately, Xcelsior's main goal is to ensure that you only access the financing you can afford.

Xcelsior Loans Services

The assets that Xcelsior requires for security can be any vehicle of value.

The fact that they don’t rely on credit assessments doesn’t take away the fact that you might still be rejected if you can't provide adequate security. People who are blacklisted are also welcome to apply.

R500,000 is the maximum amount offered

Another benefit that you should take advantage of is the fact that you'll be undergoing a paperless loan application which means everything will be processed faster.

The money will be made available in your bank account in a few days (or less!). Should you require a quick cash loan, Xcelsior is the lender to turn to for great rates, speedy service, and flexible terms.

Xcelsior Loans – Short-term loan

Loan Type Short-term loans
Interest Rate from 27%
Loan Amount up to R500,000
Repayment 2 months to 36 months

Benefits of Xcelsior Loans

Get cash in 30 minutes
Loans are paid out on the same day
Apply for a loan in 3 easy steps

Short-term loan calculator

Xcelsior delivers reliable short-term loan solutions

Seeing that it is becoming harder to obtain a personal loan online, you'll need to ensure that you meet Xcelsior credit criteria before making an application.

A registered lender

Xcelsior is a registered provider of online loans that assists all kinds of customers throughout the country. They've made a lot of clients happy and that's why they've built up a reputation for helping people out when no one else will.

A financial services provider you can trust

Xcelsior's easy short-term loans are designed to help you pay off debts, make large purchases, and deal with a range of emergencies. In order to be approved, you must be able to prove affordability and your vehicle or asset must be verified.

A car is usually required as security

The car can be any kind of vehicle as long as it is of the same value (or more), as the loan you're applying for.

No credit checks

Xcelsior's customers get the shock of their lives when they realize that they can still get a thumbs up for their credit applications even with bad credit.

However, when applying for unsecured loans, you'll be paying less interest but risking the loss of your asset if you don't keep up your repayments.

Should you not be certain as to whether you'll have the required cash to repay the loan when it's due, rather don’t risk the loss of your vehicle. Only pursue this option if you're certain that you'll be able to settle your loan on time as agreed.

Only opt for the amount needed

Xcelsior will advise you on which credit options you qualify for. However, this will also be based on the amount of money you're looking to borrow and the value of the asset.

Having helped a number of clients who have bad credit get back on track, this South African credit provider will likely be able to do the same for you.

Xcelsior Loans is a trusted & reliable provider of short-term loans

In our review, Xcelsior Loans adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ Xcelsior Loans is a registered credit provider in South Africa: NCRCP4752

Customer Reviews & Testimonials

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May 2019

They helped me out when I really needed it. They were very understanding and gave me the short-term loan I needed to pay off some unexpected expenses.

Loretta R
— Pretoria —