Rating based on 35 reviews

Xcelsior Loans

  • Car finance up to R500,000
  • Get cash in 30 minutes
  • Low-interest starting from 27%

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Xcelsior Loans homepage
Author Xcelsior Loans. Screenshot of Xcelsior Loans website.
[Accessed December 9, 2022]

About Xcelsior Loans

Xcelsior assists South Africans with cash when they need a little cash flow boost on a short term basis.

As an independent company, they're able to cut out the middle man. This allows them to offer better rates, better repayment terms, and better service!

Putting you first

Xcelsior Loans is an independent credit provider in SA that offers car buyers a range of benefits because they compare vehicle finance options and pass on the savings to you. You'll receive the service delivery you'd expect from a top-quality service provider - guaranteed!

Turnaround time on your loan application is very important which is why they aim to get you the answers that you require as quickly as possible.

Secured car loans

Xcelsior Loans have extensive experience providing short-term loans for clients that suit their needs and their budgets. Their service allows you to borrow cash against your assets. These assets can include vehicles, motorbikes, and boats etc.

When you apply for a secured loan you can determine the amount that you would like to borrow. The higher the value of your collateral, the higher the loan amount you qualify for.

Xcelsior Loans Services

Quick loans make life easier for those who have collateral to provide as security.

When you apply by putting up a valuable asset, such as your vehicle, Xcelsior Loans can assist you with a short-term loan. The amount will depend on the value of the item you're using as collateral.

The latest technology helps this short-term lender provide a quick decision on your application and approval within 30 minutes. Your collateral will be stored in a safe place until you've paid back the loan in full and can reclaim it.

It’s this simple!

When you need a loan, use a valuable asset such as a vehicle as collateral, this will give your loan application a better chance of being approved. At Xcelsior, they don’t provide vehicle loans but rather offer you a loan against your item of collateral.

This money can be used to finance your vehicle or as a deposit. Any vehicles provided as the collateral need to be paid off in full before you may store them on their lots. 

Requirements to apply

The vehicle has to belong to the person who is borrowing the cash. If you cannot afford to repay your loan or default on the repayments, they'll take possession of your vehicle which makes their loans quite risky, especially for those with a bad repayment history. 

Xcelsior Loans – Car finance

  • Loan Type Car finance
  • Interest Rate from 27%
  • Loan Amount up to R500,000

Benefits of Xcelsior Loans

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

Car finance calculator

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

Use Xcelsior for fast & seamless access to instant cash

Your information is treated with the utmost privacy and they have security measures in place to prevent your information from falling into the wrong hands.

Xcelsior Loans treat every client with discretion throughout the entire lending process. They strive to provide a fast application process. There's no need to complete paperwork, no credit checks, and no waiting for your cash.

Get the cash you need today

There's no need for an invasive credit check or an investigation into your personal life, Xcelsior Loans won’t make you wait hours to find out your outcome or make you fill in heaps of paperwork. With the security of your asset, they'll be able to provide you with a quote or loan amount immediately, and you will get an online loan on the very same day!

Loan application

Clients have many options to get finance quickly. This lender's services are accessible online or via telephone so clients have access to cash no matter where they are.

Simply complete the short online application form and they'll inform you within 30 minutes if your loan has been approved or not. If it has, they'll contact you to assist you further and arrange for the valuation and delivery of the collateral.

Loan assessment

Xcelsior Loans aim to assess your loan application immediately to give you an outcome quickly. There's no need to perform credit checks, they don’t require your bank statements or employment history. The entire process is simple, as they understand when you need cash you don’t have time to waste. They determine the amount they're willing to offer you for your collateral.

They'll offer you a loan for up to 50% of the value of your asset. Whether it is a truck, caravan, car or bike, the worth will determine your loan amount. Any vehicle needs to be paid in full in order for it to qualify as collateral.

Loan approval

Upon approval of your application, provided you are happy with the repayment terms and the terms of the contract, the cash will be paid directly to your bank. Your collateral (vehicle) will remain safe in Xcelsior's secure storage facility until the end of the loan term. If you default on payments your item of collateral will be claimed and sold to cover the outstanding loan.

Repayment terms

Xcelsior's clients are given options and choices when it comes to repaying their personal cash loans. Determine how much you can afford to spend on monthly repayments and how long it will take you to repay the amount of cash you borrowed by using an online loan calculator. Once your loan is paid back in full, Xcelsior will arrange for you to get your vehicle back, it's as simple as that! 

Customer Reviews & Testimonials

June 2019

I got my car great service that has gotten me my car faster than I thought O would get it.

Juan N
— Port Elizabeth —

June 2019

Great service that has gotten me my car at a better price and my loan has landed up being less per month to pay back because they put the extra work in.

Daniel C
— George —

June 2019

They were truly patient and helpful with me when I called them to ask a few questions.

Jackie S
— King William's Town —

June 2019

Great service and truly show great professionalism as they helped me get my car loan.

John M
— Johannesburg —

Xcelsior Loans Contact

Physical Address

  • Building 2, Villebois Office Park, Cnr De Villebois & Jacques Streets, Moreleta Park 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