Rating based on 36 reviews

Xcelsior Loans

  • Quick loans up to R500,000
  • Low-interest up to 27%
  • Repayment up to 36 months

In-page navigation

Xcelsior homepage
Author Xcelsior. Screenshot of Xcelsior website.
[Accessed April 5, 2018]

About Xcelsior

Xcelsior has gained an excellent reputation and a position of leadership in the South African credit market since its establishment.

This accommodating lender offers an easily accessible online loan which is a superb alternative to the loans traditionally provided by banks in South Africa.

Xcelsior requires collateral for a personal loan

Xcelsior's private-equity funded company is transforming the online loans industry with service excellence. The only obligation is the provision of security. They also provide loans for blacklisted people.

Their approach is helpful to clients who don’t have credibility with local banks or lenders. Xcelsior's products and services are delivered from a place of expertise and experience.

This pioneering lender strives to provide the best financial solutions to customers and to make things easy and convenient for them.

Creating the best opportunities for shareholders

Xcelsior's current goal is to expand their business further and to perfect their offerings so that they can achieve even higher client satisfaction and continue to grow.

Xcelsior Services

Xcelsior is among the top providers of secured personal loans in South Africa. If you need money fast with no questions asked, you should turn to them.

Xcelsior offer loans against collateral in the form of; ie. a motor vehicle.

They work with all kinds of vehicles from cars and trucks to boats and even jet skis. The loan amount corresponds to the collateral's value and can range from R5,000 to R500,000.

No Credit Checks Online

Xcelsior doesn't base lending choices on credit and income checks and this allows them to have some of the fastest approval rates in the industry.

Xcelsior's loans are quick

When you have to urgently resolve a financial emergency, the quick online loan which you want to apply for must be delivered fast.

At the same time, you wouldn't want to get a solution that you cannot afford or that simply doesn't meet your needs.

Xcelsior aims to assess your financial needs in detail and to help you decide based on quality, affordability, and utility.

Xcelsior – Quick loan

  • Loan Type Quick loans
  • Interest Rate 27%
  • Loan Amount up to R500,000
  • Repayment 2 months to 36 months

Benefits of Xcelsior

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

Quick loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Xcelsior acts quickly to help you solve your cash problems

Xcelsior is a small, but well-established provider of a range of personal loans based in Pretoria.

They're a registered credit provider so you can expect complete transparency when dealing with them. Xcelsior's customers are primarily from the local area, but if the need arises, they're able to help people living in other parts of South Africa.

When you choose Xcelsior, you'll receive a friendly and dedicated service based on over 15 years of combined professional experience.

No credit check, but collateral is required

Xcelsior's quick personal loans are among the fastest you can get - not only in Pretoria but in the whole of South Africa. You can receive the funds within 45 minutes after approval of your loan application. This will allow you to act quickly in the case of an emergency.

The high speed of the processing of the application is a result of the fact that their lending decisions are based primarily on the provision of collateral and not credit or affordability.

This produces yet another benefit; even people who are blacklisted, or working to improve bad credit on their profile will have a very good chance of qualifying for a loan.

Quick online loans from R5,000 up to R500,000

The benefits of Xcelsior's loans come from the fact that their loans are secured. This means that you have to offer an asset as security which Xcelsior has the right to repossess in case you fail to repay the loan.

Xcelsior exclusively accepts motor vehicles as collateral. The types of vehicles which can be placed as security includes cars, trucks, SUVs, motorbikes and even jet skis. The loan amount is determined based on the value of the asset.

Generally, you can borrow between R5,000 and R500,000. The interest rates are competitive, but you have to ensure that the repayment is affordable for you.

Xcelsior's safe & reliable storage facility

You can rest assured that your assets will be safe and well looked after. All assets are kept in a secure facility that offers 24-hour video surveillance, electrified perimeter fencing and safe access control.

You can personally deliver your vehicle in order to inspect the premises or they can collect. Xcelsior can confidently say that your vehicle will be returned to you in the same condition as it was received. 

Xcelsior's exceedingly fast loan applications

Xcelsior application process is paperless, quick and easy, plus there is no red tape or lengthy administration processes. They welcome you to fill in their online application and apply for your quick loan today!

man holding thumbs up

Xcelsior is a trusted & reliable provider of quick loans

In our review, Xcelsior 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 is a registered credit provider in South Africa: NCRCP4752

Customer Reviews & Testimonials

February 2019

Xcelsior has never given me problems when I apply for credit. After submitting my online application, I only wait for a few hours before getting a response.

Samantha L
— Port Edward —

October 2018

Xcelsior has the lowest interest rates on their loans. Apply for credit today!

Richard D
— Springs —

Xcelsior Contact

Physical Address

  • 2, Villebois Office Park De Villebois, Moreletapark Pretoria Gauteng 0044 South Africa
  • Get Directions

Opening Hours

  • 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 –