Kashola

FAQs

Application procedure at Kashola.co.za?

Input your details into our form and Kashola.co.za will find lenders matching your needs. We'll redirect you to the lender’s site for the offer.

Does Kashola.co.za charge any fees?

Using Kashola.co.za comes at no cost to you. We make our money through commissions when a lender credits a loan to your account.

What are the loan limits at Kashola.co.za?

Loans available at Kashola.co.za typically range from R500 to R350 000. Choose what best suits your needs.

What do I need to apply for a loan online?

Lender requirements may vary but generally, you need to be a South African citizen, aged 18 or older, with a valid SASSA card or Tax ID, a source of income, and a bank account.

Can I get a loan with a poor credit score?

Credit history is considered, but not the sole determining factor for your loan eligibility.

Can I settle my loan before the due date?

Yes, early repayment is allowed and advisable to minimize interest charges.

What if I can't make loan payments?

If you're facing financial difficulties, contact your lender right away to discuss available options. Avoid taking additional loans and consider independent financial advice.

What's the procedure for loan repayment?

Repayment periods and terms vary depending on the type of loan product you apply for. Your loan agreement will provide detailed information on when payments start, how often they occur, and the duration of the repayment period.

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Intermediary Responsibilities Policy

Kashola.co.za is not a lender, nor does it take any decisions regarding loans. Kashola.co.za finds lenders for customers based on their application information. It earns a commission, paid by the lender, for providing advertising services. We cannot guarantee that a lender will accept your application or that they will offer you loan terms that will suit your needs. Not all lenders can provide loans of up to R 350 000. The time it takes to process and transfer a loan depends on the lender. This website does not directly endorse any particular product or service. Any information on this website is approximate in nature. Some lenders may perform a credit check with a credit reporting agency as a loan condition.

Repayment Periods and Interest Rates

The APR is the cost of borrowing a loan, expressed as a nominal annual interest rate. As Kashola.co.za is a credit broker and not a lender, we cannot guarantee a particular annual percentage rate. Annual percentage rates typically range from 0% to 36%. Repayment periods for loan products usually range from four months to six months. Before accepting a lender’s offer through our system, please make sure to read through the loan agreement carefully, since interest rates and repayment terms may differ from those listed on this website.

Collection Policy

Kashola.co.za does not collect payments. Your lender will contact you by regular mail, email, or phone to outline a repayment schedule. Please contact your lender to determine their collection process, as the terms may vary.

Consequences of Nonpayment

If you cannot repay on time, your lender may start the collection process as per the loan agreement. Your lender will often contact you to arrange an alternative repayment schedule. This could result in additional fees or interest. Lenders also have an option to file a lawsuit against you. Consider contacting your lender before missing a payment to find out what collection policy they have and discuss your repayment options.

Loan Extension Policy

Kashola.co.za does not recommend renewing or extending loans, as this can lead to increased fees and interest, and trap you in a cycle of debt. However, if you cannot repay your loan on time, it's crucial to contact your lender to discuss your options. Each lender has different policies and procedures for loan extensions and renewals. Please be sure to fully understand your lender's policy on this matter before agreeing to the loan.

Extension Policy

If you want to renew or extend your current loan, kindly contact your lender before your payment date. Even though some lenders may extend your loan with the same terms as the original loan, each lender has their own extension policy and may charge additional fees or interest. Sometimes, renewals may be processed automatically. Please consider the decision to extend your loan very carefully and seek independent financial advice if necessary.
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