Frequently asked questions about Personal Loans.

Why do I pay R299,00 and R79,00 fee's ?

In addition to the Complimentary Loan Finding Service, your benefits include the following value added services which are activated as soon as the form has been completed and submitted.

Debt Counselling

Debt Counselling offers a remedy to over indebtedness that has the aim at rehabilitation into the credit market.

Debt Review will protect the consumer from losing crucial assets and keep the Credit Providers from taking legal action on accounts that was lawfully included in the debt review.

The consumer will make monthly payments according to the debt re-arrangement until balances have been settled or if the consumer is able to continue with payments at the original contracted rates and instalments.


Legal Services

Our service provider offers the following one stop legal services:

Formulation of Trusts (family trusts, business trusts, ect)
Draft of Wills, ITC Checks
Draft and Prepare Various Commercial Contracts
Administration of Estates
Rescission of Judgments
Clearing of ITC / Credit reports and Divorces


Short Term Insurance Management

The service provider offers a management service by assisting clients with submission of their insurance claim forms.

For the client there is no fuss, no hassle when it comes to the usual paperwork of a short term insurance claim.

From obtaining quotations of stolen or missing items up to the submission of all documents.
There is no need any longer to take off from work to get these quotations, our service provider will take care of this.

This should enhance the turnaround time of finalising each claim.

Annual Tax Returns (IRP 5)

Our service provider is a registered tax practitioner with SARS (South African Revenue Service).

They offer a professional taxation service to the client at a 30% discount of their normal fee as a value added service to all our clients.

This will save you the client an enormous amount of time and run around.

What is the turn around time on an application?

The turn around time on an application is normally 24 hours. When we receive your application, we immediately forward it to our panel of lenders and you can expect to hear from them within a few- to 24 hours after we have received your application.

The reason you may not hear from us within 24 hours might be because we are searching for a lender that will assist you with a personal loan.

What about credit checks?

We do not perform credit checks, but our panel of lenders may do so after receipt of your loan application.

How long do I have to repay the loan?

This will entirely depend on the lender and the agreement signed, normally anything from 1 month to 60 months
Many people apply for loans without being aware that they may negotiate the terms and conditions of the loan. The repayment period are normally between 12 – 72 months, depending on the amount that you qualify for and how much you can afford to repay monthly.

How do we cancel the service?

We offer our clients a seven-day cooling-off period that allow them to cancel the service should they choose to do so. Whenever you change your mind after cancellation, please contact us and we will be happy to reactivate your account.

What does being blacklisted mean and how can it affect your credit rating and ability to apply for financial service?

When you fail to pay a personal loan or any type of credit agreement, e.g. an account with a retail store, within the set term of the contract or agreement, the loan reverts into default and your name is listed on credit bureau’s. This serves to inform other credit providers/financial institutions that you do not honour your contracts/agreements as signed by you. A listing on a credit bureau can prevent you from procuring any further loans or types of finance.

As a first step in the process, Financial Institutions and Credit Providers make use of their collections departments to list you as a slow payer. A listing as a slow payer on credit bureau results in an immediate drop in your credit score.

The global economic crisis that resulted in retrenchments and the ever increasing difficulty to find a new job in South Africa, led to many people being blacklisted because they could no longer honour their financial commitments.

Loans for people with bad credit may be very difficult to find when you turn to Financial Institutions for help. A bad credit record because of past financial difficulties no longer have to stand in the way of alleviating unnecessary financial pressure.

All you need to do to get a personal loan is to file an online application and provide us with the required documents when asked to do so. We will do the hard work and go to the panel of lenders for you!

Apply for a Loan

Read Application Terms and Conditions – click here

(Please note that all fields marked with (*) needs to be completed. The information you submit will be used solely for the purposes for our services). Compliant with the Consumer Protection Act No.68 of 2008

Field marked with an * are required

*Applicants ID Number :

*Applicants Title :

*Applicants Name :
First Name :
Surname :

*Applicants Cellular Number :

*Applicants Home Phone Number :

*Applicants Work Phone Number :

*Applicants Email Address :

*Applicants Physical Address :
Address Line 1 :
Address Line 2 :
Town/City :
Postal Code :

Applicants Employment Details

*Employment Status :

*Company Name :

*Employment Date :

*Gross Salary :

*Net Salary :

*Monthly Expenses (Estimate) :

*Salary Frequency :

*Monthly Salary Date :

Applicants Loan Details

*Are you Blacklisted ?

*Are you under Debt Review/Administration ?

*Loan Amount Requested :

*Loan Purpose :

Applicants Banking Details

*Bank Name :

*Account Type :

*Account Number :



01. I the undersigned hereby give permission that I may be scored by various credit providers.

02. To consider my application the Financial Services Provider may obtain information from a credit bureau. (Credit Bureau’s supply banks and other parties with credit profiles and credit scores about persons to help them determine if a person is credit worthy.)

03. Information about how I conduct my account and overdraft facility may be given to and used by any other division of the bank or credit bureau.

04. The information I have given the bank on these forms is true and accurate.

05.1 I hereby authorise Pronto Loans T/A Blacklisted Loans to issue and deliver payment instructions to their Banker for collection against my above mentioned account at my above mentioned Bank (or any other bank or branch to which I may transfer my account) on the date my salary is deposited into my account on condition that the sum of such payment instructions will never exceed my obligations as agreed to in the Agreement and commencing as soon as this application has been submitted by me and continuing until this Authority and Mandate is terminated by me by giving you notice in writing of not less than 20 ordinary working days. The individual payment instructions of R299 so authorised to be issued must be issued and delivered as a once off payment

5.2 The individual payment instructions of R79 so authorised to be issued must be issued and delivered on a continuous monthly basis in order to receive immediate access to the value added service package

06.This authority and mandate has been given electronically in terms of the electronic communications and transactions Act 25 of 2002, Chapter 3, Part 1.If there are insufficient funds in my account to meet the obligation, you are entitled to track my account and represent the instruction for payment as soon as sufficient funds are available in my account.

I understand that the withdrawals hereby authorised will be processed through a computerised system provided by the South African Banks. I also understand that details of each withdrawal will be printed on my bank statement. Such will contain a reference, PRONTO, which will be included in the said payment instruction and if provided to me should enable me to identify the Agreement.

B. Mandate
I acknowledge that all payment instructions issued by Pronto Loans T/A Blacklisted Loans shall be treated by my above mentioned Bank as if the instructions have been issued by me personally.

C. Cancellation
I agree that although this Authority and Mandate may be cancelled by me, such cancellation will not cancel the Agreement. I shall not be entitled to any refund of amounts which you have withdrawn while this Authority was in force, if such amounts were legally owing to you.

Terms and Conditions
Full Names and Surname

I Accept the above Mandate and Terms and Conditions

By completing the above with your full names and surname you agree that this serves as a legal electronic signature and acceptance of the aforementioned debit order mandate, and terms and conditions.

In case of cancellation as a result of breach on the part of the applicant/client, the remaining balance shall become immediately due and owing to Blacklisted Loans. In the event Blacklisted Loans should hand the applicant/client over for collection of any amounts owing to Blacklisted Loans , Blacklisted Loans shall impose an administration cost of 25% (Twenty Five Percent) added to the outstanding amount owing by the applicant/client to Blacklisted Loans. All legal fees associated with the collection of monies owing to Blacklisted Loans in terms of these policies, being it for breach or otherwise shall be paid by, or be liable by the applicant/client on an attorney and client scale.

Please only click Submit once, depending on the speed of your connection submissions can take up to 60s to process

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Have you found yourself in a situation in which you have accumulated an amount of debt that you feel it will be impossible to repay? Billions of people around the world have accumulated debt that spirals out of control. Maybe you have student loan payments, car payments, and home loan payments to make and one day you find yourself in the unfortunate situation that you are unable to make your payments on time. Maybe you lost your job or incurred medical expenses or had to put unexpected repairs on a credit card. Before you know it, your credit score plummets and you find yourself blacklisted. Do not despair. It is always possible to take control of your debt. Blacklisted loans are here to help people in your exact situation. blacklisted loans in SA

What Are Blacklisted Loans?

Blacklisted loans are, first and foremost, loans designed to help a person with bad credit consolidate their debt by using the money to pay off previous debts so that they only have one payment to make. You can also use these loans to cover situations such as car repairs and student fees or school fees. Even if your name has been blacklisted because of bad credit, you can qualify for a blacklisted loan as long as you are 18 years or older, and you have a steady job and a bank account.

How Do Blacklisted Loans Work?

When you are applying for blacklisted loans you will be required to give your bank account details and to prove your identity, age, residence, and employment. Most of the companies that provide blacklisted loans will not conduct a credit check. Depending on the company providing the loan, you may be required to conduct an interview by phone. Upon accepting your application, the loan provider will discuss interest rates and payment plans with you and set one up depending on your budget. The terms of the loan will usually require a full repayment in a period of 12-72 months. Keep in mind that interest rates for these loans are generally high as they are designed to be used as a last resort for debt consolidation or emergencies.

Benefits of Taking a Blacklisted Loan

Though the interest rates of blacklisted loans are high and the period of time to pay back a large sum of money is short, the benefits of taking a blacklisted loan can be great if you use the loan responsibly. Avoid taking a blacklisted loan unless it is completely necessary to do so. Taking a blacklisted loan to consolidate your debt, if done in a responsible way, can save your credit score and lift some big financial burdens from your life. Blacklisted loans are designed to help a person overcome with debt to get back on their feet and re-build a good credit score once again. However, if you take a blacklisted loan and treat it irresponsibly by buying unnecessary things and neglecting the payments, your credit score will plummet further and you will have a very difficult time in finding financial assistance for anything in the future.