By using Loans4All's services you agree to be bound by these terms. NCR registered. NCRCP17490.

1Acceptance of Terms

By accessing the Loans4All website (loans4all.co.za) or submitting a loan application via WhatsApp, email, or any other channel, you agree to be bound by these Terms of Service. If you do not agree, do not proceed with your application. These terms form a legally binding agreement between you and Loans4All (Pty) Ltd, NCR registered credit provider NCRCP17490.

2Loan Products & Terms

Loan Amounts: Loans4All offers short-term payday loans of R500 or R1,000 only. We do not offer loans above R1,000. This is a deliberate product decision to protect consumer financial wellness.
Loan Term: All loans carry a fixed 30-day repayment period. There are no monthly instalment options and no long-term loan products.
Interest Rate: Interest rates are regulated by the National Credit Regulator and are disclosed in full in your loan agreement before you accept. The current rate varies based on loan amount and is within NCR-regulated maximums.
Payout: Approved loan funds are disbursed to your South African bank account same-day before 14:00 on weekdays (Monday to Friday). Applications submitted after 14:00 or over weekends are processed by 11:00 the next business day.
Processing Fee: Any applicable processing fee is disclosed in your loan agreement before acceptance. Loans4All does not charge any upfront fees before loan approval.

3Eligibility Requirements

To be eligible for a payday loan from Loans4All you must:

Be at least 18 years of age.
Be a South African citizen or permanent resident.
Have a valid South African ID document or valid passport.
Have a valid South African bank account in your name.
Provide proof of employment or verifiable stable income.
Pass Loans4All's affordability assessment and credit screening as required by the National Credit Act.

4Application Process & Affordability Assessment

Before approving any loan, Loans4All conducts a mandatory affordability assessment in compliance with Section 82 of the National Credit Act, 2005 (NCA). This assessment is designed to ensure the loan is not unsuitable for you and that you can meet your repayment obligations without unreasonable hardship. The assessment evaluates:

Your monthly income and verified sources of income.
Your existing debt obligations and monthly repayment commitments.
Your employment stability and income verification.
Your credit bureau records and credit stacking indicators.

You must provide accurate and truthful information on your application. Providing false or misleading information is grounds for immediate rejection and may result in legal action.

Warning: Credit Stacking — National Credit Act Compliance

Loans4All strongly advises against taking multiple loans from different lenders simultaneously — a practice known as credit stacking. Credit stacking makes it impossible to afford all repayments, leads to default and severe credit damage, and may result in legal action and debt collection. Our affordability assessment specifically screens for credit stacking. If detected, your application will be denied. This is a requirement under the National Credit Act and a responsible lending obligation.

5Loan Approval & Denial

Loan approval is at Loans4All's sole discretion based on the affordability assessment, credit screening, and our risk management policies in compliance with the National Credit Act. We will notify you of approval or denial via WhatsApp and email within 2 business hours of application submission.

If your application is denied, you have the right to request reasons for the decision. We aim to provide a written explanation as soon as possible, and in any event within the timeframe prescribed by the National Credit Act for complaints about affordability-assessment decisions.

6Loan Repayment

Due Date: Your loan must be repaid in full on the due date — 30 days from the date of payout. There are no monthly instalments.
Payment Method: Repayment is via debit order on your nominated bank account or manual bank transfer to Loans4All's account.
Repayment Amount: The full principal amount plus interest and any disclosed fees, as specified in your loan agreement.
Early Settlement: You may settle your loan in full before the due date without any penalty, subject to the terms of your loan agreement. Early settlement reduces the total interest cost.

7Late Payment & Default

If your payment is not received by the due date, a late fee may apply as disclosed in your loan agreement. If your loan remains unpaid for 30 days past the due date, your account is classified as in default. In default, Loans4All may pursue collection through our registered debt collection partner, which may include legal action and credit bureau reporting. Default will be reported to all NCR-registered credit bureaus (TransUnion, Experian, and others) and will negatively impact your credit score. This is a legal obligation under the National Credit Act and NCR reporting requirements.

8Limitation of Liability

To the extent permitted by South African law, Loans4All shall not be liable for:

System downtime, website outages, or WhatsApp service interruptions beyond our reasonable control.
Delays in fund disbursement caused by banking system failures, public holidays, or regulatory processing delays.
Unauthorized use of your account resulting from your failure to keep your credentials and device secure.
Indirect, incidental, or consequential damages arising from your use of our services.

9Dispute Resolution & Governing Law

These Terms of Service are governed by the laws of the Republic of South Africa, including the National Credit Act, 2005 (NCA) and the Protection of Personal Information Act, 2013 (POPIA). Any disputes arising from these terms shall be subject to the jurisdiction of the South African courts. If you have a dispute, contact us directly at support@loans4all.co.za or via WhatsApp. If we cannot resolve it, you have the right to escalate to the NCR.

10Contact Us

For inquiries, disputes, complaints, or any questions about these terms:

Email: support@loans4all.co.za | WhatsApp: +27698910960 | Website: www.loans4all.co.za

Loans4All (Pty) Ltd — NCR FS-0034921 · NCRCP17490 NCR Info →

How Loans4All collects, uses, and protects your personal information in compliance with POPIA.

1Introduction & Commitment

Loans4All (Pty) Ltd ("we," "us," "our," or "the Company") is committed to protecting your personal information in full compliance with the Protection of Personal Information Act, 2013 (POPIA) and the National Credit Act, 2005 (NCA). This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you apply for a loan, use our services, or interact with our website and WhatsApp channels.

2Information We Collect

We collect the following categories of personal information necessary to assess your loan application and comply with NCR requirements:

Identity Information: Full name, South African ID number, date of birth, and contact details (phone number, email address, WhatsApp number).
Financial Information: Bank account details, bank name, employment status, gross monthly salary, and income sources.
Employment Information: Employer name, employment type, and length of employment.
Credit-Related Data: Bank statements (used for credit stacking detection and affordability assessment), loan history, and credit bureau reports obtained with your consent.
Device & Usage Data: IP address, device type, WhatsApp message metadata, and timestamps of all interactions for service delivery and compliance purposes.

3Purpose of Collection (Lawful Basis under POPIA)

We collect and process your personal information for the following lawful purposes:

Loan Application Processing: Assessing creditworthiness, verifying identity, and determining loan eligibility in compliance with the National Credit Act.
NCR Compliance: Conducting mandatory affordability assessments as required by Section 82 of the National Credit Act.
Risk Assessment: Detecting credit stacking, verifying employment and income, and screening for fraud.
Service Delivery: Disbursing approved loan funds, processing repayments, and managing your loan account.
Credit Reporting: Reporting your loan account status to NCR-registered credit bureaus (TransUnion, Experian) with your explicit consent as required by the NCA.
Communication: Sending loan decisions, payment reminders, and service updates via WhatsApp, SMS, and email.
Debt Management & Removal Services: Assisting with debt management plans and debt review removal services if you request them.

4Third-Party Data Sharing

We may disclose your personal information to the following third parties, all of whom are bound by confidentiality obligations and required to process your data only as instructed by us:

CompuLoan Cloud (Experian): For employment verification and credit assessment purposes.
Truecaller: For phone number validation and verification only.
Credit Bureaus: TransUnion South Africa, Experian, and other NCR-registered credit bureaus — as permitted by the National Credit Act and with your consent.
GoHighLevel (GHL): Our CRM platform used to manage customer communications and the loan application pipeline.
WhatsApp Business API: For sending notifications and communications to you.
Financial & Payment Processors: Banks and payment processors for fund transfers and repayment processing.
Legal & Regulatory Bodies: The National Credit Regulator (NCR), South African Reserve Bank (SARB), or other authorities if required by law or court order.

All third parties are contractually bound to process your data only for the purposes we instruct and to maintain the security and confidentiality of your information.

5Data Retention

Approved Loans: Application and loan account data is retained for the duration of the loan plus 3 years thereafter, as required by the National Credit Act for record-keeping purposes.
Denied Applications: Application data is retained for 6 months for quality assurance and compliance purposes, then securely deleted.
Credit Bureau Reports: Credit data is retained and reported in accordance with credit bureau retention policies (typically 5–7 years) as required by NCR regulations.

6Your POPIA Rights

Under the Protection of Personal Information Act, you have the following rights regarding your personal information held by Loans4All:

Right of Access: You may request a copy of all personal information we hold about you. We will provide this within 30 days of your request.
Right to Correction: You may request correction of any inaccurate or incomplete personal information. We will correct it promptly.
Right to Deletion: You may request erasure of your personal data, subject to the National Credit Act's record-keeping requirements which override deletion in certain cases.
Right to Object: You may object to direct marketing or specific processing activities. We will stop processing for that purpose unless we have a legal basis to continue.

To exercise any of these rights, contact our Data Protection Officer at privacy@loans4all.co.za. We will respond within 30 days as required by POPIA.

7Security Measures

We implement industry-standard technical, administrative, and physical safeguards to protect your personal information, including encryption of data in transit and at rest, access controls, secure data storage, and regular security reviews. However, no method of transmission over the internet is 100% secure. While we strive to protect your data using best-practice security measures, we cannot guarantee absolute security.

8Cookies & Tracking Technologies

Our website may use cookies and similar tracking technologies to remember your preferences and improve your user experience. You can disable cookies through your browser settings; however, some website features may not function properly without them. We do not use third-party tracking cookies for advertising purposes.

9Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other operational reasons. Changes will be posted on this page with an updated "Effective Date." Your continued use of our services after a policy change constitutes acceptance of the revised policy. We will notify you of material changes via WhatsApp or email where required.

10Contact & Data Protection Officer

For privacy inquiries, data subject access requests, POPIA breach reports, or any concerns about how we handle your personal information:

Email: privacy@loans4all.co.za | WhatsApp: +27698910960 | Website: www.loans4all.co.za

Loans4All (Pty) Ltd — POPIA Compliant NCR Info →

NCR Information & Regulatory Disclosures

National Credit Regulator registration, your rights as a consumer, our obligations as a credit provider, and how to lodge a complaint with the NCR.

1NCR Registration & Licensing

Loans4All (Pty) Ltd is registered and authorized by the National Credit Regulator (NCR) as a credit provider under the National Credit Act, 2005.

NCR Reference: FS-0034921
NCRCP Number: NCRCP17490
Registration Category: Short-term credit provider
Authorized Services: Short-term payday loans (R500–R1,000), Debt Management Plan Advisory, Debt Review Removal Services
Registration Status: Active and in good standing

2Affordability Assessment — Section 82 NCA

In accordance with Section 82 of the National Credit Act, 2005 (NCA), Loans4All conducts a mandatory affordability assessment before granting any credit. This assessment is designed to ensure that the loan is not unsuitable for you and that you will be able to meet your repayment obligations without unreasonable hardship.

The affordability assessment considers:

Your monthly income and verified sources of income.
All existing debt obligations and monthly debt repayments across all creditors.
Essential living expenses — housing, utilities, food, transport, and healthcare.
Employment stability and employment history.
Credit bureau records and historical repayment behavior.
Credit stacking indicators — multiple simultaneous loans from different lenders.

3Credit Reporting & Credit Bureaus

Loans4All reports your loan account status to NCR-registered credit bureaus, including TransUnion South Africa and Experian. Your loan history will be recorded on your credit file, and this may impact your credit score and your ability to access future credit.

Information Reported to Credit Bureaus:

Loan approval date and approved amount.
Monthly repayment amounts and due dates.
Payment history — on-time payments and late payments.
Loan status — active, fully settled, or defaulted.

4NCR Complaint Handling Procedure

Loans4All is committed to resolving disputes fairly, transparently, and promptly. If you have a complaint about our services or a loan decision:

Contact us directly via email (support@loans4all.co.za) or WhatsApp (+27698910960) with full details of your complaint, including your full name, ID number, and loan reference if applicable.
We will acknowledge receipt of your complaint within 2 business days and provide a clear timeline for resolution.
We aim to resolve all complaints within 20 business days. If resolution takes longer, we will provide regular updates on progress.
If we cannot resolve your complaint to your satisfaction, you have the right to escalate it to the National Credit Regulator for external dispute resolution.

5NCR Escalation — External Dispute Resolution

If you remain dissatisfied after our internal complaint resolution process, you may lodge a complaint directly with the National Credit Regulator:

National Credit Regulator (NCR) — South Africa

Website: www.ncr.org.za | Email: complaints@ncr.org.za

Telephone: 0861 846 846 (toll-free within South Africa)

Postal Address: National Credit Regulator, 1258 Lever Road, Lonehill, Sandton, 2146, South Africa

6Right to Cancel Your Application

You have the right to cancel your loan application at any time before loan funds are disbursed to your bank account. No cancellation fee applies. However, once funds have been transferred to your bank account, cancellation requires immediate return of the full loan amount plus any accrued interest up to the date of return.

7Interest Rate Disclosure — NCR Regulated

The interest rate charged on your Loans4All payday loan is regulated by the National Credit Regulator and is fully disclosed in your loan agreement before you accept the loan. The rate is fixed for the full 30-day loan term and will not change. The exact approved rate is disclosed in your loan agreement at the time of application. No hidden interest charges apply.

8National Debt Review Registry

If you are currently in a debt review process with a registered debt counselor, you are not eligible to access Loans4All's payday loan service. This is a legal requirement under the National Credit Act — no new credit may be granted to a consumer under debt review. If you are unsure of your debt review status, contact your debt counselor directly or check the National Debt Review Registry at www.ncr.org.za.

9Your Right to Know Your Credit Score

You have the right to request a free copy of your credit report from any NCR-registered credit bureau. You are entitled to one free credit report per calendar year from each bureau. Knowing your credit score and understanding what's on your report is essential to managing your financial health.

TransUnion South Africa: www.transunion.co.za
Experian South Africa: www.experian.co.za
Other NCR-registered bureaus: Check the full NCR directory at www.ncr.org.za

10Warning: Credit Stacking — National Credit Act Compliance

Loans4All strongly advises against taking multiple loans from different lenders simultaneously — a practice known as credit stacking, which is regulated under the National Credit Act. Credit stacking:

Makes it impossible to afford all repayments simultaneously.
Leads to default and severe, long-term credit damage.
May result in legal action and involvement of debt collection agencies.

Our affordability assessment specifically screens for credit stacking indicators. If detected, your loan application will be denied. This is a legal compliance requirement, not a discretionary decision.

11Your Consumer Rights & Protections

Under the National Credit Act, 2005 and the Protection of Personal Information Act, 2013, you have the following rights as a consumer:

Right to Know: You have the right to receive a full copy of your loan agreement and a clear explanation of all terms, interest rates, fees, and obligations before you accept.
Right to Withdraw: You may cancel your loan application at any time before funds are disbursed, at no cost. Note that the statutory 5-business-day cooling-off right in section 121 of the NCA applies to certain instalment sale and lease agreements, not to an ordinary 30-day cash credit agreement of the kind we offer — so your cancellation rights here are the ones described in section 6 above, not a statutory cooling-off period.
Right to Privacy: Your personal information is protected under POPIA. See our Privacy Policy for full details.
Right to Fair Collection: Loans4All complies with fair debt collection practices. We will not use harassment, threats, or unfair tactics in any collection process.
Right to Dispute: You may dispute any charge, claim, or decision related to your loan. We will investigate and respond within the timeframes disclosed above.

12Debt Review & Debt Removal Services

Loans4All also offers companion services to help consumers recover from credit difficulties:

DIY Debt Management Plan: R499 once-off — Step-by-step guidance for managing your existing debt independently and creating a workable repayment plan via WhatsApp (keyword: "DIY").
Debt Review Removal Service: Available via WhatsApp (keyword: "REMOVAL") — Professional assistance with exiting a debt review agreement, including creditor negotiation, written removal agreement, and credit bureau update filing. Subject to affordability and NCR compliance.

13Contact Information & NCR Updates

For NCR-related inquiries, regulatory questions, or to verify our registration status directly with the NCR:

Email: ncr@loans4all.co.za | WhatsApp: +27698910960 | Website: www.loans4all.co.za

You can verify Loans4All's NCR registration directly at www.ncr.org.za by searching for registration number FS-0034921 or NCRCP number NCRCP17490.

Loans4All (Pty) Ltd — NCR Registered FS-0034921 · NCRCP17490 ← Terms

NCR Registered Credit Provider — Loans4All Legal, Terms & Regulatory Disclosures South Africa

Loans4All (Pty) Ltd is a National Credit Regulator (NCR) registered credit provider in South Africa, operating under NCR registration number NCRCP17490. We are fully compliant with the National Credit Act, 2005 (NCA) and the Protection of Personal Information Act, 2013 (POPIA). Our NCR registration is active and in good standing — you can verify it directly at www.ncr.org.za.

Is Loans4All a Legitimate NCR Registered Lender?

Yes. Loans4All is registered with the National Credit Regulator under NCRCP number NCRCP17490. We are a registered short-term credit provider authorised to offer short-term credit of R500 and R1,000 to South African consumers. You can verify our registration status directly on the NCR website at www.ncr.org.za by searching for our registration number. Using an NCR-registered credit provider means your loan is legally protected under the National Credit Act — you have rights to disclosure, affordability assessment, fair treatment, and dispute resolution.

National Credit Act Compliance — What It Means for You

The National Credit Act, 2005 is South Africa's primary legislation regulating credit providers and protecting consumers. As an NCR-registered provider, Loans4All is legally required to conduct a mandatory affordability assessment before granting any loan (Section 82 NCA), disclose all interest rates and fees before you accept, report your loan to credit bureaus, and follow fair collection practices. You have the right to receive a full copy of your loan agreement, the right to withdraw within 5 business days (cooling-off period), and the right to dispute any charge or decision. If you have a complaint, you can escalate it to the NCR at 0861 846 846 or complaints@ncr.org.za.

POPIA Compliance — Your Data Protection Rights

Loans4All is fully POPIA compliant. The Protection of Personal Information Act governs how we collect, use, store, and share your personal information. We collect only what we need to assess your loan and comply with NCR requirements. We do not sell your data. We use encryption and access controls to protect it. Under POPIA, you have the right to access your data, correct inaccuracies, request deletion (subject to NCA retention requirements), and object to certain processing. Contact privacy@loans4all.co.za to exercise these rights.

NCRCP17490 — What Is It?

NCRCP17490 is Loans4All's NCRCP (National Credit Regulator Credit Provider) number. Every credit provider registered with the NCR receives a unique NCRCP number. It's the number you use to verify our registration with the NCR. Our full NCR registration number is FS-0034921.

Terms, Privacy Policy & NCR Disclosures

Terms of Service

Privacy Policy

NCR Information & Regulatory Disclosures