With a loan from Loan eXpress you can pay off all your existing credit cards, bad credit, overdrafts & unsecured loans and replace them with just one manageable monthly payment. Alternatively you could splash out on a dream holiday, a new car or improvements for your home.
Or if you are buying a home or investment property for the first time, we can make the process as painless as possible with our great deals and bonds.
Arranging your loan couldn't be easier. There are no interviews and everything can be completed professionally and without delay. Loan eXpress and its partners have gained respect throughout the finance industry for our honesty, professionalism and service. Our loans are made available through bond originators and trustworthy financial institutions.
For loans below R20,000, we can possibly provide you with an unsecured personal loan, depending on your income and current financial situation. Personal loans above R50,000 are typically handled as a second bond on property. Because the amount is so much higher, we'll require that you own your own home to be used as security.
If you have a clean credit record you can apply for motor financing to be utilized at the motor dealer of your choice. If you have bad credit you can still apply for motor financing and one of our partners will probably be able to assist you - finding a car and financing it.
You can be sure that you are borrowing not only at very competitive interest rates but also with the greatest of confidence. Loan eXpress work at helping you, the customer, whatever your requirements. The financial institutions offer rebates on early settlements and they will under certain conditions consider all circumstances including bad credit, debt court judgments, defaults or poor credit ratings.
Facilities are available for retired applicants and for people in receipt of pensions/benefit income on different terms.
All enquiries are treated on a No Obligation basis so why not apply for a loan on-line NOW?
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NIB is a flexible partner responding to customers' needs and providing tailor-made loans and guarantees. NIB is operating worldwide and provides private and public projects with complementary long-term financing.
Project and structured finance
NIB has long experience in complex financing structures. It may lead arrange the financing for projects that make a strong contribution to the fulfilment of its mission. NIB often provides financing in cooperation with other international financial institutions and public and private sector lenders. NIB's project and structured finance loan products include:
Partners for the Common Good (PCG) is a national, experienced, mission driven participation lender. We partner with other Community Development Finance Institutions (CDFIs) to provide capital to low-income people and communities by bringing capital and specialized knowledge of our target sectors to our lending partners. Our loan products include: affordable housing, community facilities and commercial real estate.
PCG's loan types include predevelopment and early-stage acquisition financing, interim construction financing for single-and multi- family new construction and/or rehabilitation, bridge financing to support LIHTC, preservation and other types of transactions, and amortizing mini-perms with flexible amortization schedules.
- Geography: National
- PCG Participation Lending Loan Amounts: 1 to 5 years; term could extend and will be considered on a case-by-case basis
- Interest Rate: Negotiable. Typically fixed rate of 5% to 6%
- Loan to Value (LTV): Up to 90%. Higher LTV will be considered on a case-by-case basis
- Repayment Terms: Monthly or quarterly interest only payment, principal due at maturity. Longer-term debt will amortize, typically up to 20 years
- Collateral: Required, based on availability and underwriting requirements
- Origination Fees: Negotiable. Typically no less than 1.0%. As a participation lender, PCG does not charge an application or legal fees
Since the founding of the first PCG fund in 1989, we have had a deep commitment to alleviating poverty abroad. We dedicate a portion of our loan portfolio (up to 20%) to promoting microfinance and entrepreneurs in developing countries. By lending to organizations that provide small loans to the poor to help them start micro enterprises or engage in productive agricultural activities, we have enabled our investors to have far reaching impact.
We lend to international development organizations and microfinance institutions that provide access to capital to women and other at-risk populations. We also support fair trade organizations and innovative investment vehicles with the potential to systemically expand the pool of capital available in the microfinance industry.
Small Loan: This product is designed for clients who cannot afford formal bank loans due to the nature and size of their businesses. It is a group based loan tailored to improve existing businesses through easy access and a comprehensive repayment method.
The loan duration is respectively 6 months at 20% interest rate, and 12 months at 35%.
Individual Loan: This is a term loan meant for small and medium enterprises as well as individuals in trade or commerce, services, agriculture and transport sectors of the economy. This loan can be taken for either 3, 6 or 12 months based on the needs of the customer; repayment can either be monthly or fortnightly at a rate of 3.5% per month.