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Cash Loans

When money is tight cash loans help you pay bills or meet emergency costs. A number of different businesses in South Africa provide cash loans to customers. It is possible to get loans as low as 1 000 ZAR and up to 150 000 ZAR to use for whatever purpose you want. These loans come with affordable repayment plans and interest rates.

Securing a Cash Loan

You have a number of options for securing a cash loan through a small lender. These options depend on the purpose of the loan and the type of lender. The most common lenders provide loans based on your income. These lenders review your monthly income to determine the maximum loan amount you are eligible for. The minimum income to qualify for a loan varies by lender. You may also be required to have a bank account, and to be working at least six months. Lenders have additional requirements that vary from business to business. It really pays to speak with a number of companies when searching for a cash loan.

Pawn Loans

Other loans can be secured with valuable property through pawn brokers. If you are short on money and cannot get an income based loan, you may be able to use valuables as collateral. Pawn brokers lend cash for gold, silver, diamonds, jewellery, quality watches and even other forms of currency, such as the Krugerrand. The loan is made out based on the broker's estimation of the item's value. You may also be able to sell these items outright to the pawn broker, if you do not think you will be able to repay the loan later on.

A micro loan through a small lender is still a legal debt. Lenders expect repayment of their cash loans according to the terms outlined in the loan contract. Take care to read through the contract before signing and agreeing to the loan. If there is something you do not understand, ask the lender to explain the terms of the contract. Lenders compete for your business. As the customer, take time to research each one before selecting the right lender for your cash loan.