Cash loans up to R250 000

Looking for a little extra cash to help tide you over until payday? Or perhaps a more substantial loan to put towards a new car or home renovation? You are not alone. Arcadia Finance has helped numerous people, like you, in these situations by providing a quick, easy, and reliable route to your best loan option.

Online loans from banks and lenders are more popular now than ever before. While this offers the advantage of more competitive deals and prices, it also means finding the right loan can be a stressing and lengthy process. And when you need instant cash, you might not have the time to spend hours making the right decision.

At Arcadia Finance – South Africa, we guarantee:

  • ✔ Low interest rates
  • ✔ Quick loan offers
  • ✔ Free application without commitment

You will see your loan offers immediately after filling in the free application form. So, check out the loan options available for you!

We can do the work for you. The only thing you need to do is fill in a short form stating your desired loan amount, -time and -repayment amount. You’ll also need to give some information about yourself. Once completed, we will search our extensive network of reputable lenders, to give you the best loan option tailored to your needs. Then you can spend your valuable time checking out the top offers, with direct links to every lender. It’s that simple.

How much do you need?

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*Representative example: Estimated repayments of a loan of R30,000 over 36 months at a maximum interest rate including fees of 27,5% APR would be R1,232.82 per month. Arcadia Finance is an online loan broker and not a lender. Our service is free, and we work with NCR licensed lenders in South Africa. Interest rates charged by lenders can start as low as 20% APR, including an initiation and service fee determined by the lender. The interest rate offered depends on the applicants' credit score and other factors at the lender's discretion.

Loan amount R100 - R250,000. Repayment terms can range from 3 - 72 months. Minimum APR is 5% and maximum APR is 60%.

Our system allows you to compare the options to find the right loan for your unique needs. We only offer the best loan products from trusted South African financial service providers. Using our comparison tool makes finding a loan quick and easy. And there’s plenty of information here to help you find the loan that’s right for you.

Who can qualify for cash loans and what are the basic requirements?

  • You are over 18 years old
  • You are employed and employment has lasted for more than 6 months
  • Your loan should not be more than 8 times larger than your monthly income

What are instant loans and how much do urgent cash loans cost?

Instant or fast cash loans provide quick solutions to urgent money matters. With more and more South Africans struggling with economic difficulties, covering simple living costs has become a challenge for many people. Imagine your wages won’t be coming in for a couple of weeks, your savings have been used and an unexpected bill arrives that needs paying immediately. What can you do? A cash loan online can provide the answer.

Instant or emergency loans are usually paid quickly to the applicant, in most cases, within 24 hours. Filling out a loan application online is a quick, easy and hassle-free alternative to heading to the bank.

But what exactly does a cash loan cost? The cost of borrowing money varies from one lender to the next and depends on the amount borrowed and the duration of the loan period. Generally speaking, short-term loans are more expensive than long-term options. Whichever loan you choose, make sure you read the fine print and know exactly how much it will cost before agreeing to the loan.

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Personal loan Arcadia Finance

What are cash loans and how do they work?

If you are new to lending money, it is a good idea to read the terms of the loan and be aware of the costs and payment terms. This type of borrowing generally involves an online application process, which includes a credit check. If approved, the money is then transferred to the customer, who agrees to pay back the full amount, plus interest, before a specific date. Payments are usually made on a monthly basis.

Cash loans can be tailored to suit any need. From small, short-term loans to larger and more long-term options. Our service provides loans from as little as R1 000 up to R250 000, with repayment plans extending up to 72 months.

Credit Score Check

Also, lenders will check your credit score as it is a prime factor for calculating interest rate. Lenders use this to determine whether you qualify for a loan. If your credit score is too low, lenders may not approve your application.

After you have received a personal loan, you must pay back the loan – plus interest – in monthly instalments over the agreed period.

Other Fees and Charges

Most important, Arcadia Finance does not charge any upfront fees for its online service. We work with trusted, NCR licensed lenders who offer different types of loans. Besides it is important to understand the terms and conditions and charges thoroughly before accepting a loan offer. And don’t accept an offer that isn’t right for you.

Some banks and online lenders will require loan protection cover. In other words, you may need to agree to use their insurance provider to insure the loan. But this policy will vary from lender to lender.

Apply Online for Your Cash Loan

Looking for an online cash loan in South Africa? Arcadia Finance makes applying for a personal loan online easy.

Enter the requested information in our online application form. Once the application is approved, you’ll receive different loan offers from our trusted lenders for comparison.

You should always compare offers to find the best option. While applying for a personal loan online is easy, loans themselves can sometimes be confusing. It’s important to make the right choice. A comparison tool takes the guesswork out of the process and lets you see which offer is best suited to your situation.

Additionally, you’ll be able to compare personal loans by using the cash loan calculator.

What Would You Need for a Cash Loan Application

Also, when applying for a loan, you will have to provide the following information:

  • The details of your bank where the money will be paid.
  • Your Smart-ID card, ID number or a copy of your ID book.
  • Payslips or bank statements for the last three months.
  • Proof of residence – Your bank statements or a municipal bill.

Using this information, the lender conducts a credit check, which determines the success of your application and what interest rate will apply to the loan.

The intention is to make the personal loan application process as effortless as possible.
Finally, you have decided which offer you are happy with. Here are some personal questions lenders may ask you:

  • How old are you?
  • What is your marital status?
  • What are you using the money for?

Some companies will give you a prospective quote based on these additional factors.