Lendiza

Frequently Asked Questions

How do I apply for a loan via Lendiza.co.za?

Want to apply? Determine your loan amount and fill a brief online form. We'll connect you with a suitable lender.

Is it free to use Lendiza.co.za?

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

What's the maximum loan amount at Lendiza.co.za?

Our lender partners at Lendiza.co.za offer loans ranging from R500 to R350 000.

What identification do I need to apply?

To be eligible for a loan at Lendiza.co.za, you need to be a South African resident, 18-80 years old, have a valid bank account, and a consistent income source.

Can I get a loan with a poor credit score?

At Lendiza.co.za, our lenders evaluate your future repayment ability, not just your past credit history.

Can I settle my loan before the due date?

Absolutely, early repayment is advisable. The earlier you settle, the less you pay in interest.

What to do if I can't repay my loan?

Contact your lender immediately if you're unable to make payments. They're often willing to provide helpful solutions.

How should I repay my loan?

Each lender has its own repayment process and will provide you with the necessary information to make your payments. Repayment methods may include direct transfer, creditor debit card, or depositing money into a specified bank account. It is important to follow your lender's instructions and make timely payments to avoid additional charges.

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Responsible Lending

Lendiza.co.za is a platform that connects customers with potential lenders. While we strive to ensure that the information presented on our website is accurate and up to date, we do not guarantee this nor are we responsible for any decision taken based on the information. Each lender has its own lending criteria, which may or may not suit your current financial situation.

Interest Rates and Repayment Periods

The APR is the cost of borrowing a loan, expressed as a nominal annual interest rate. As Lendiza.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 Procedure

Please contact the lender directly if you are having trouble repaying. They will be able to discuss payment options with you. The lender reserves the right to give your information to a third-party collection agency, should the situation remain unresolved.

Consequences of Nonpayment

Non-payment of your loan could have severe consequences. Each lender has its own policies regarding late payments and non-payments, which may include additional fees or charges, legal actions, and negative impact on your credit score. We encourage borrowers to understand their lender's policies and to make payments on time.

Renewal Policy

If you wish to renew or extend your current loan, please contact your lender as soon as you can before your payment date. Although 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.

Extension Policy

Lendiza.co.za does not advise renewing or extending loans, as this could lead to increased charges and interest, and trap you in a cycle of debt. However, if you cannot repay your loan on time, it's vital to contact your lender to discuss your options. Each lender has different policies and procedures for loan extensions and renewals. Please ensure that you fully understand your lender's policy on this matter before agreeing to the loan.
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