Heritage Loans

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About – Heritage Loans

When we say that our cash loans are instant, we really mean it.

Heritage Loans is one of the few companies in South Africa offering instant loan approval and money transfer.

It takes us no more than 15 minutes to process your application and get you approved.

We do not ask questions or run credit checks.

We offer secured personal loans and accept virtually any kind of collateral. We are experienced and trustworthy. Our service is based on dedication and expertise.

You can rely on us completely when you are in an emergency situation. We have the means and commitment to help you out in the best way possible.

Services – Heritage Loans

Get short term loans against collateral from Heritage Loans. We provide credit solutions to individuals who require cash quickly.

No matter whether you need to cover emergency expenses or pay for a short holiday, we can help.

Approval period as short as 15 minutes.

We run no credit checks so we are glad to work with people with a bad credit record. We offer simple, easy, flexible and reliable solutions. We accept a wide variety of traditional securities from motorised vehicles to jewellery and electronics.

We work with all other assets of value such as antiques and works of art as well.


Summary of Services

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


Heritage Loans – Flexible & fairly affordable.

If your car breaks down or if you have missed to pay the electricity bill on time, you would want to borrow cash as quickly as possible to settle the payment.

There are many credit products designed to help you in such a situation, but they are not created equal.

Use this Heritage instant cash loans review to find out whether they will be helpful to you in case of an emergency.

Heritage Loans is a small micro lender, but has considerable experience.

You can get a loan in their office or online.

They are quite flexible when it comes to working with applicants. You can expect a helpful and polite service.

We offer secure cash loans

In order to get a cash loan, you will have to place an asset of yours as collateral. The lender shows great flexibility when it comes to the assets which you can use for backing up the loan.

They accept motorised vehicles, jewellery pieces, electronic devices with high value such as smartphones and other valuable items such as works of art.

The maximum loan amount will depend on the value of the asset. You should be very careful when deciding on how much to borrow because a larger loan amount is always more difficult to repay.

Since the cash loans are secured, the approval process typically takes no more than 15 minutes. The lender does not check your credit history as long as the asset's value matches the amount that you want to borrow.

The service is super fast.

You can expect the cash to be accessible to you on the very same day or on the next day.

How about the cost of borrowing? The interest rates on secured loans are always lower compared to those on unsecured ones of the same type. The interest rate charged on the Heritage loans starts from 3%. When you calculate the total cost of the loan, you have to take into account the fees as well. They are not particularly high.

In conclusion, this review finds the Heritage loans are instant, quite flexible and fairly affordable.

The risk of placing collateral has to be taken into account as well.

 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 09:00 – 17:30
  • Saturday Closed –
  • Sunday Closed –