Clientele Loans

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.

In their diverse portfolio, they offer convenient short-term loan options with loans ranging from R1,000 to R120,000.

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.