Rating based on 12 reviews

Heritage Loans

  • Short-term loans up to R8,000
  • Low-interest starting from 3%
  • Repayment up to 41 days

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

About Heritage Loans

We all need financial assistance at some point in our lives, and no lender is as prepared to deliver quick and secured short-term loans as Heritage Loans. 

An easy and convenient loan application process

If you're blacklisted you won't be automatically rejected; Heritage Loans will carry out the normal credit process until they decide if your application can be given the thumbs up or not.

Therefore, should you need cash quickly due to certain emergencies, you can entrust them to help you with your application. They'll see to it that you get the best financial care.

Heritage Loans' team of experts is always willing to help first-time or even returning applicants with their credit requests.

There's nothing stopping you from putting in your application because they're a flexible lender and help customers with a range of credit scores. After you've completed the application form, the rest will be up to Heritage Loans!

Heritage Loans Services

There is no telling when you might need extra cash.

It's for this reason that you shouldn’t apply whenever you're broke but rather when you're faced with a situation that needs you to act fast.

This could be any type of emergency expense that can’t wait until your next payday.

You can count on Heritage Loans

Heritage Loans does the best it can to ensure that clients get affordable secured short-term credit.

Time is an important element

The assets that Heritage Loans accept can range from cars to fine jewelry.

What's important is the fact that your asset is equal to or higher in value than the loan amount you're looking for.

Heritage Loans – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 3%
  • Loan Amount up to R8,000
  • Repayment 7 days to 41 days

Benefits of Heritage Loans

  • SHORT-TERM Cash Loans 
  • CASH Emergencies
  • PERSONAL Cash Loans 
  • BUSINESS Loans
  • ONLINE Cash Loans

Short-term 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.

Heritage Loans can help you access a short-term loan FAST

You can always count on Heritage Loans to deliver fast cash when you need it. 

Any registered microlenders will be able to assist you as long as you meet their credit terms and conditions. Make use of an online calculator before applying to find out which is the best loan offer you can use for your budget.

Should you not have enough time to visit a bank for a loan, you can always opt for submitting an application online. On the other hand, if you're willing to visit Heritage Loans at their offices, you're welcome to do so.

Affordable secured loans

If you want to get finance, you'll have to put up something of significant value as collateral. Heritage Loans always encourage their customers to only borrow money if they are certain that they'll have enough funds to make their repayments.

Having a bad credit record will not stop you from getting approved for a short-term credit plan with Heritage Loans. Their secured short-term loans have lower rates than their unsecured credit plans and also offer larger loan amounts.

Low interest rates and transparent charges

While it's Heritage Loans' job to look after your interests, you also have the responsibility to ensure that you don’t take loans that you will not be able to repay.

In the event that you might be unable to repay the loan due to unforeseen circumstances, you must notify Heritage Loans immediately.

In essence, you should always borrow exactly the amount that you require to deal with your emergency or make the purchase you're planning for and nothing more.

By doing so, you'll ensure that you can easily pay off your loan and that you don't have to carry unnecessary debt. Heritage Loans is a reasonable credit provider that ensures that customers are given the best credit plans.

Customer Reviews & Testimonials

February 2019

I applied for a short-term loan. The service was very good

Manqoba D
— Pretoria —

Heritage Loans Contact

Contact Number


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Physical Address

  • 34 Smith Street, Central Port Elizabeth Eastern Cape 6000 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 09:00 – 17:00
  • Saturday 11:00 – 15:30
  • Sunday – Closed