Rating based on 17 reviews

Clientèle Loans

  • Short-term loans up to R120,000
  • Affordable Insurance
  • Repayment up to 60 months

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Clientèle homepage
Author Clientèle. Screenshot of Clientèle website.
[Accessed December 8, 2022]

About Clientèle

Clientèle is a renowned financial services distributor in South Africa with over 30 years of experience in the industry.

As a JSE-listed company, they have a proven track record of providing quality financial services to their clients.

Offering a diverse range of financial services, Clientèle makes it easy for you to manage your financial needs. They sell and market directly to the public, ensuring that their clients have access to their services at all times.

A history of innovation and success

In 1998, Clientèle introduced a unique opportunity that allowed their clients to not only apply for the products they needed but also to earn money by bringing these opportunities to others. This innovative approach allowed every client to become a direct marketing agency for the company.

As their success in the market grew, Clientèle restructured and rebranded their products and services to offer a more flexible approach to their offerings.

They are now one of the top 50 sustainable companies in South Africa, with an award-winning performance in their sector.

Comprehensive financial services

Clientèle offers a wide range of financial services that cover all your needs under one roof. From insurance policies that cover dreaded diseases, funeral expenses, and hospital and legal cover to investment options, they provide a one-stop shop for all your financial requirements.

Clientèle is committed to ensuring that their client's needs are met successfully and sustainably, making them one of the fastest-growing financial service providers in the country.

They place a high value on compliance and strive to maintain their reputation as a trusted financial services partner for their clients.

Expert assistance for your financial needs

At Clientèle, their goal is to provide expert assistance for all your financial needs, from online loans to insurance and investments. With their proven track record of success, you can trust them to help you achieve your financial goals.

Clientèle Services

In their diverse portfolio, they offer convenient short-term loan options with loans ranging from R1000-00 to R12000-00.

These loans can be repaid over periods of 12 to 60 months with a fixed interest rate, so there will be no surprise interest hikes during the loan repayment period.

Short-term loans: a solution for emergencies

Short-term loans are a popular and useful solution for unexpected emergencies. However, it is important to remember that these loans should only be used in cases of emergencies when the budget is insufficient to cover the problem at hand. Regularly relying on these loans can create dire financial difficulties due to their expensive repayment terms.

Since short-term loans are by nature short in duration, the access to funds is limited, and large amounts cannot be borrowed. The repayment period is also relatively short.

To qualify for a loan, you must prove your financial ability to repay it based on your monthly income. Although repayment terms can be extended, an extension will be subject to interest, fees, and charges, resulting in a higher overall repayment amount.

Short-term loans are not a sound long-term solution. Defaulting on a loan has a high probability and can negatively affect your credit rating, resulting in debt collectors and lawsuits.

Bank loans: quicker and cheaper

If you have a bad credit score, getting a loan from a bank can be very restrictive. However, approaching your bank for short-term loan options may be quicker and cheaper. Traditional short-term loans tend to be easier to finance as they can be paid off over a period of time, reducing overall financial stress. Payday loans or instant loans tend to be harder to repay.

Making timely loan repayments

Always make your loan repayments punctually and consistently to ensure the loan is repaid within the agreed time frame, avoiding additional costs from interest and fees.

It’s also important to remember that the bank has access to your account and can withdraw the installment directly from it. Additionally, interest and fees are added to the loan amount, which means they become due at the same time.

Clientèle – Short-term loan

  • Loan Type Short-term loans
  • Loan Amount up to R120,000
  • Repayment 18 months to 60 months

Benefits of Clientèle

  • Short-term loans
  • Over 20yrs of service
  • Loans up to R120,000
  • 18-60 Months repayment term
  • Cash loans online
  • NCR registered lender
  • Budget assistance
  • Also insurance products

Short-term loan calculator

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

How it Works: Applying for a Loan with Clientele

Clientele offers an easy and convenient way to apply for a loan either by calling them or by using their innovative please call me function.

They operate daily from 8-to-8, ensuring that you can apply at a time that is most convenient for you. Once your application is approved, the loan amount is paid directly into your bank account within 48 hours. Additionally, they offer a same-day approval option for loans up to R80,000.

Interest rates and repayment terms

Clientele's interest rates are generally affordable, starting at 19.5%. The repayment terms for these loans are typically over 24 months, providing you with enough time to repay the loan without undue financial stress.

You can use their online calculator to help you determine what your loan repayments will be. This will help you to manage your repayments and decide the affordability factor for the loan you are looking to apply for.

Collateral or surety for loan amount

You may also need to provide collateral or surety for a loan amount. This means you will need to make available an asset as security, especially if you do not have a great credit record. This asset will be sold to redeem the loan should you fail to repay the loan.

Benefits of short-term loans

There are some benefits to taking a short-term loan. Mainly, these are quick and easy to get online, the money is often paid into your account within 24 hours, and there is typically no need for mountains of paperwork just to apply.

These loan types are also a stopgap to be used in the case of unbudgeted emergencies such as a burst geyser for your home or an unanticipated vehicle repair or similar. They can be used for short-term, often unplanned debts that can be resolved within 6-12 months.

The downside of loans

Make no mistake, short-term loans are risky, expensive, and often difficult to service, so use them sparingly and wisely. Accessing a short-term loan from a bank often involves going to the bank rather than applying online.

There is inevitably a tonne of paperwork to complete to ensure you can make the repayments and can guarantee the bank that the likelihood of you defaulting is as low risk for the bank as possible.

This is a time-consuming process, and therefore the likelihood of getting this money within 24 hours is almost zero. This means that unplanned emergencies may have to wait until the bank approves the loan.

Clientele's online calculator

Clientele also has an online calculator that allows you to calculate your repayments over the loan time period. You get to choose how to service this debt quickly and easily to determine affordability options for you.

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Clientèle is a trusted & reliable provider of short-term loans

In our review, Clientèle 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.

✅ Clientèle is a registered credit provider in South Africa: NCRCP3114

Customer Reviews & Testimonials

No reviews for this business.

Clientèle Contact

Physical Address

  • Alon Road, Morningside, Rivonia Morningside Johannesburg 2196 South Africa
  • Get Directions

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 –