Heritage Loans

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About – Heritage Loans

Heritage Loans are in the business of providing quick and easy financial loans to all South Africans. We are an online microlender providing a secured short-term loan, no matter if you are blacklisted, have a poor credit record.

However, it is necessary to offer collateral it could be works of art, a boat, collectables electronics or any other guarantee of good value. We have a solid presence in South Africa and our loans only take 15 minutes to be approved.

Stress-free business loans

Since we do offer secured loans our customers can be assured of 100% loan approval, hassle free! Heritage Loans provides timely, reliable and effective cash loans to individuals and businesses. We are a specialised South African credit provider with extensive experience in the industry and a large number of clients. We services are professional and our consultants are always ready to meet you with a smile.

Whenever you need a short term loan, we are here to provide it. We guarantee attractive rates and flexible terms which can be customised to suit your needs. Whenever you need cash to pay your small business suppliers or to pay a late electricity bill, you simply need to contact us and we will resolve your problem effectively and on time with no hassle or fuss. The application process is fast and easy. Upon approval, the funds will be made available to you right away.

Services – Heritage Loans

Heritage Loans offers short term loans against collateral. We realise how challenging it can be to find cash when needed. That is why we offer a solution – secured short term loans.

If you are in an emergency and require extra cash to cover major expenses, we can help. Similarly, we can make your dream holiday reality right away by giving you the finance you need when you need it.

Reliable business loans

Heritage Loans is dedicated to assisting individuals by meeting their cash needs. We provide loan approval within minutes without a credit check. Quick cash is readily available. The accepted security items include motorised vehicles of all types, electronics, jewellery and other assets of high value such as artworks and antiques. Although it’s easy to obtain a short-term loan, it is advised that you only borrow the amount you need ensuring that you have the affordability to make repayments.

We are the preferred loan provider

It is challenging for the South African businesses to obtain finance these days given the ever stricter requirements of lenders and the shaky economy. However, this does not mean that there is no way out of this situation. This Heritage business loan will give you the best possible service without any fuss!


Summary of Services

  • PERSONAL Loans 
  • BUSINESS Loans


Heritage Loans is the preferred lender for hassle-free business loans

Heritage is a small company offering both personal and business loans.

We operate online and our products and services are available to all South Africans. Heritage Loans have been around for quite some time and has already gained a considerable client base. You can get the financial assistance which you require fairly easily and quickly.

Loan options

You can select from both secured and unsecured Heritage business loans. If you choose to place collateral, you will get a lower interest rate, but you will have to incur higher risk. If you choose to go for a small unsecured loan for managing your cash flow, you will have to produce evidence of your business profit or of your personal income if you are just starting out. However you can expect to pay higher interest, but there will be no risk of losing your asset

Competitive interest rate

Heritage business loans have competitive interest rates starting from 3%. This is a very attractive offer, especially in comparison to what most lenders of this size can offer. Standard fees for loan initiation and for loan administration apply. We certainly are comparable to those which other small lenders charge.

Loan amount & flexibility

The loan amounts are small, but they are available easily and quickly. You can apply within minutes and receive your cash on the next day or even on the same day. This makes the financial products provided by Heritage business loans suitable for managing the cash flow of your business. Note that we are not designed for the financing of equipment purchases or other major purchases. Our repayments are flexible, our terms are for a shorter period of time and interest is charged on a daily basis.

Heritage business loans are a convenient tool for managing the day-to-day finances of the business.

 Contact Details

34 Smith Main, Port Elizabeth, Eastern Cape, 6000, South Africa
Ph: 076 780 2377 / 071 962 1663

 Opening Hours

  • Monday 08:00 – 17:30
  • Tuesday 08:00 – 17:30
  • Wednesday 08:00 – 17:30
  • Thursday 08:00 – 17:30
  • Friday 08:00 – 17:30
  • Saturday Closed –
  • Sunday Closed –