Use the credit blacklists checking facilities in South Africa to know your financial record. It's a good way of keeping track of where your credit is. Having a reasonably good financial history is essential to getting by in today’s world. Most of the things we want and need in our lives require getting a loan. Cars and houses are just two of the many. Cell phone contracts and store accounts also require a good credit history. Qualifying for a loan or contract is only half the battle. You must be able to prove the following: Prove that you have a regular income which will cover all your living expenses. And the payments on the loan or account.That you have a good credit history with no previous instances of non payment or under payment. Without a good credit record no financial service provider or store will give you a loan, contract or account. It is almost impossible to afford all the living essentials without a loan, contract or account. Also See: Blacklisted and Need A Loan? Houses, cars, cell phones and all the rest are core to our functioning in the modern day world. We would be lost without them and… Read More

If you are wondering how you can check if you are blacklisted in South Africa. Then there are a number of avenues that you can follow to find this information. Firstly the South African credit bureaus give consumers a copy of their record each year at no charge. They have also advised that consumers should request this record annually. In order to ensure that they have not been blacklisted. Related: Cash Loans For People With A Bad Credit History As many people do not think that they could have been blacklisted for missing one or two payments but this is often the case. Check if you are Blacklisted with a Bad Credit Record Check If you want to find out how to check if and why you are blacklisted then there are companies that will do this for you too. One such online company is Credit Health who will provide you with a credit check. Should you have a bad credit record. They will supply you with the advice and support needed to improve your credit record. According to Credit Health there are three are 3 credit bureaus that keep your credit history. TransUnion, Experian and XDS. This company will… Read More

There is blacklisted car finance for people in South Africa available from certain Financial providers. Those on the black list in South Africa have a hard time getting approval for car finance from ABSA, First National, Nedbank and Standard Bank. Because of the rules and regulations by the Credit Act in the country. This stands to reason. Imagine you have lent a considerable sum of money to a friend or family member only to have them not pay you back in the future. And them not paying back the capital you so kindly lent them. Would you think twice about letting that person borrow money from you again? Of course you would and it works in a very similar manner at the major banks. If you prove to be a "high risk", no matter what your circumstances. Any lending company is going to be weary of approving you for a loan. Secured Car Finance Loans for Bad Credit A bad credit record is something that needs to be avoided at all costs whenever possible. On the other hand, there are of course cases where people find themselves blacklisted through no fault of their own. Such as redundancy or retrenchment. In… Read More

If you are looking to borrow money quickly, you should look into applying for one of the instant cash loans from African Bank. Because of our consumer driven fast paced lifestyles, many people feel the need to borrow cash in order to have the essentials in their lives. Often, if something goes wrong, people need instant cash to help pay an urgent bill. Or to get them out of a sticky situation. It is always a good idea to only take a loan if you cannot avoid it. In other words, to take out borrowed finance with a reasonable interest rate. And with acceptable terms and conditions. Therefore to only apply for money from a reputable financial service provider. Cash Loans at African Bank - why do you need a cash loan? Many people throughout South Africa make use of cash loans for a number of reasons. For instance, you might need to pay off your children’s school fees or tuition costs. You may have an unexpected vet bill or medical expense. Or maybe you have to repair your vehicle or pay excess on damage to your vehicle. Perhaps you need to pay for your child’s school hockey tour. Or… Read More

You can get micro loans if you have been struggling in the past with bad debt. Or if you have a poor credit record. Or if you can't access normal credit because of not being able to meet the necessary requirements. These types of loans are part of a broad range of financial services called microfinance. And are available to those with less money. Or for businesses that are struggling to make ends meet. Micro loans have been particularly useful in places where poverty is abundant. And are successful in helping entrepreneurs get a business up and running with the minimum amount of cash. Banks and other financial institutions that offer the micro loans prefer to see people that apply as prebankable. Instead of how many see them as considered non-bankable. Read More: Personal Loan Calculator Certain people may be considered prebankable by the lender if a bad credit record exists. Or they are on a blacklist for defaulting on monthly cash payments. Terms of these loans are normally up to a period of about 60 months. They are the most affordable solutions on the market today to pay back. As long as you are cautious and apply through a… Read More

You can get the personal loan calculator applications online. They will help you to work out repayment structures. Especially before applying in South Africa for finance to make budgeting more accurate. Calculations can be done via the very simple online forms available. These require you to fill in details such as amount of money needed to borrow. And in addition, over what period it will be paid back etc etc. The systems work on current interest rates. They perform a calculation that gives you an estimation of what kind of fee you can expect to repay on a monthly basis. The personal loan calculator facilities available online are for public use. They are only an estimation. To give you an idea of the kind of repayments you will pay. According to the lump sum of money you borrow. Various finance packages will vary from one solution to the next. And of course between banks in South Africa, ABSA, FNB, Standard Bank and Nedbank. Therefore, you can use the personal loan calculator to work out an amount you can afford to borrow. And in addition, you can calculate how much money you can affrod to pay back on a monthly basis.… Read More

If you are blacklisted and need a loan. Or if you have a bad credit record and are looking for a loan and finance to help you out of a bad financial debt situation. Then you need to consider one of the various unsecured loans or micro loans available. Loans are available from the different lenders and financial institutes. These types of loans usually do not require you to give any kind of security. For if you default on one or more of your monthly repayments. Making them a good choice for those who are on the black list. Or who maybe have a bad credit record. Read More: Vehicle Finance For Blacklisted The micro loans are usually available and you can apply in most towns and cities. Somewhere within the main road or main shopping area or mall. A micro lender usually only requires to have your proof of identification, proof of residence and a few of your latest salary slips. Or other types of proof that you are earning a regular income. They may ask if you have a bad credit record but in most cases they are not too concerned about this. However, be wary when approaching… Read More

Capitec bank loans for people who need to borrow money can be applied for at any one of the branches in South Africa. Whether you want to put money into your house, pay for studies, buy car parts or even purchase a new vehicle. Capitec has some reasonable options for you to choose from. You can borrow money from R1000 up to R100 000, so whatever you need is available. Provided that you have a good credit history and have everything you need to apply for the finance. You might need the money for personal reasons. Like getting through a rough patch or something similar. No-one needs to know what exactly it's for. Unless you want to borrow R100 000 as then you would probably have to provide the bank with a reason for the funds. This might interest you: Temporary Loans at Capitec Bank South Africa They also have very good interest rates for different types of Capitec bank loans. So you will have to decide what type of loan it is that you need. To buy car accessories or borrow money for personal reasons. You might not need to apply for all that much finance. So they shouldn’t… Read More

Blacklisted loans on offer or applying for finance with bad credit through ABSA, Nedbank, FNB or Standard Bank is a somewhat painful and usually disappointing task. Because if you have a bad credit record the banks in South Africa have strict rules when it comes to lending money. Banks are not in a position to just approve applications to borrow cash as and when they please. Even if you've been through financial difficulty. And now find yourself in a much stronger position to pay back the money you want to borrow. If you have been previously "black marked" for defaulting on any monthly payments or contract agreements regarding personal finance, car loans or credit cards. Your chances of any new application approval by these banks are slim to zero. This may also be of interest to you: Blacklisted Finance Blacklisted Loans and Borrowing Money with a Bad Credit Record However, it is not all doom and gloom for people with a bad credit record looking to borrow money from a lender in South Africa. Besides the major banks such as ABSA, Nedbank, FNB and Standard Bank there are a deal of smaller lending companies. Some of which will approve blacklisted… Read More

Blacklisted car finance is for people who have been refused a loan from ABSA, FNB, Standard Bank, Nedbank or any other major bank. And is available depending on your credit history. For instance, if you have a bad credit record. And you are on a blacklist as a high risk to lend to because of defaulting on previous accounts. Then you are going to have some difficulty borrowing money. On the other hand. If you have minor judgements or you are on a list as a slow payer. Then you have a better chance at being able to borrow the cash you want. Read More: How to Get Money for a Car if you are Blacklisted You can apply for blacklisted car finance from registered vehicle loan providers in South Africa. Just be aware that this kind of solution usually comes in the form of a secured loan. Which means that you have to own something of value. Something that you can sign as surety against the money you wish to borrow. Such as a house or a property. Should you default on repayments after signing a contract you are giving the credit company the right to take your house… Read More