Rating based on 1,048 reviews
About – Xcelsior Loans
Xcelsior assists South Africans with cash on a short term basis, when they need a little cash flow boost.
As an independent company, we are able to cut out the middle man this allows us to offer better rates, better repayment terms and better service.
Putting our customers first
Our company is an independent credit provider in SA this is a benefit to our clients because we make the final decisions and pass on the savings to you. Our clients receive the service delivery they can expect from a top quality service provider. Turnaround time on your loan application is very important that is why we aim to get you the answers that you require as quickly as possible.
Secured car loans
We have extensive experience providing short-term loans for our clients that suit their needs and their budgets. Our service allows you to borrow cash against your assets these assets can include vehicles, motorbikes, boats etc. When you apply for a secured loan you can determine the amount that you would like to borrow. The higher the value of your collateral, the higher the loan amount you qualify for.
Services – Xcelsior Loans
Quick loans make life easier for those who have collateral to provide as security.
When you apply by putting up a valuable asset, such as your vehicle, we can assist you with a short term loan. The amount will depend on the worth of the item you are using as collateral. The latest technology helps us provide a quick decision on your application and approval within 30 minutes. Your collateral will be stored in a safe place until you have paid back the loan in full and can reclaim it.
It’s that simple
When you need a loan, use a valuable vehicle to act as collateral this will give your loan application a better chance of being approved. At Xcelsior, we don’t provide vehicle finance we offer you a loan against your item of collateral. This money can be used to finance your vehicle or as a deposit. Any vehicles provided as the collateral need to be paid off in full before storing at our facility.
Requirements to apply
The vehicle has to belong to the person who is borrowing the cash. If you cannot afford to repay your loan or default on the repayments, we will take possession of your vehicle. This makes this option a lot riskier.
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Summary of Services
- QUICK Loans
- SHORT-TERM Cash
- PERSONAL Loans
- SECURED Loans
- VEHICLE Loans
- BAD Credit Loans
Use Xcelsior for fast & seamless vehicle loans
Our client’s information is treated with privacy and we have security measures in place to prevent your information falling into the wrong hands.
We treat every client with discretion throughout the entire lending process. We strive to provide a fast application process for every client. There is no need to complete paperwork, no credit checks and no waiting for your cash.
Get the cash you need today
There is no need for an invasive credit check or investigation into your personal life, we won’t make you wait hours to find out your outcome or make you fill in heaps of paperwork. With the security of your asset, we will be able to provide you with a quote or loan amount immediately, and you get a cash loan on the very same day.
Clients have many options to get finance quickly. Our services are accessible online or via telephone so clients have access to cash no matter where they are. Simply complete the short online application form and we will inform you within 30 minutes if your loan has been approved. If it has we will contact you to assist you further.
We aim to assess your loan application to give you an outcome quickly. There is no need to perform credit checks, we don’t require your bank statements or employment history. The entire process is simple, as we understand when you need cash; you don’t have time to waste. We determine the amount that we are willing to offer you for your collateral.
We will offer you a loan for up to 50% of the value of your asset. Whether it is a truck, caravan, car or bike, the worth will determine your loan. The vehicle needs to be paid in full in order for it to qualify as collateral.
Upon approval of your application, provided you are happy with the repayment terms and the terms of the contract. The cash will be paid directly into your bank. Your collateral (vehicle) will remain safe in our secure storage facility until the end of the loan term. If you default on payments your item of collateral will be taken as payment on the loan.
Our clients are given options and choices when it comes to repaying their cash loans. Determine how much you can afford to spend on monthly repayments and how long it will take you to repay the amount of cash you borrowed.
Once your loan is paid back in full, we will arrange for you to get your vehicle back.
Customer Reviews & Testimonials
I got my car great service that has gotten me my car faster than I thought O would get it.
— Port Elizabeth —
Great service that has gotten me my car at a better price and my loan has landed up being less per month to pay back because they put the extra work in.
— George —
They were truly patient and helpful with me when I called them to ask a few questions.
— King William's Town —
Great service and truly show great professionalism as they helped me get my car loan.
— Johannesburg —
Ph: 012 997 1062
- Monday 08:00 – 17:00
- Tuesday 08:00 – 17:00
- Wednesday 08:00 – 17:00
- Thursday 08:00 – 17:00
- Friday 08:00 – 17:00
- Saturday 08:00 – 12:00
- Sunday – Closed