Heritage Loans

image of Heritage Loans

About – Heritage Loans

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.

Whenever you need a short term loan, we are here to provide it. We guarantee attractive rates and flexible terms which can be customised.

Whenever you need cash to pay your small business suppliers or to pay the late electricity bill, you simply need to contact us and we will resolve your problem effectively and on time. 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 which you need.

Heritage Loans is dedicated to assisting individuals by meeting their cash needs. We provide loan approval in 15 minutes without 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 art works and antiques.


Summary of Services

  • Short Term Cash Loans 
  • Collateralized Loans 
  • Lifestyle 
  • Finance
  • Personal Loans 
  • Emergency Loans 
  • Business Loans


Heritage Loans - Are They Useful for Your Business

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 review can help you find the solution that you are looking for.

Heritage is a small company offering both personal and business loans. It operates online and its products and services are available to all South Africans. The lender has been around for quite some time and has already gained a considerable client base. It is certainly not among the major lenders, but you can get the financial assistance which you require fairly easily and quickly.

Heritage Loans: Secured & Unsecured

You can select from both secured and unsecured Heritage business loans. If you choose to place collateral, you will get lower interest, 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. 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. Still, you should keep in mind that the interest rate is determined individually. Standard fees for loan initiation and for loan administration apply. They 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 this lender suitable for managing the cash flow of your business. They are not designed for the financing of equipment purchases or other major purchases. The repayment is fairly flexible, but the term is quite short. Interest is charged on a daily basis.

Overall, this review finds the Heritage business loans to be 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 –