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Need a loan but don't really understand the difference between an unsecured cash loan, a payday loan, a secured loan and a debt consolidation loan? We are here to help you better understand the difference between each loan type and apply free online.

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What is an unsecured cash loan?

An unsecured loan is a loan that you can apply for with no security needed and repay over the long term. You do not need to own a house, car or anything else of value to qualify for a loan as your loan is based on how much you earn and your credit score. General requirements for an unsecured loan would be that you are permanently employed for 6 months or more, earn a salary that is paid into a bank account, are over 18 years of age and have a valid South African Identity Document. Banks will in most cases only lend you money if you have a good credit rating though there are many other companies that are registered with the National Credit Regulator that also offer loans and have less strict requirements. If you are in need of an unsecured cash loan then ezCASH may be an option and offer a free loan sourcing service in South Africa even with poor credit. Complete a short online application form and they will do their best to help you find a loan wherever possible, apply now @

What is a payday loan?

Are you someone that often runs out of money before your next paycheck? A payday loan may be exactly what you need and helps you with a small loan till you next get paid. A payday loan differs from a normal loan in that it is usually repaid in full in one payment. The loan amount plus interest and charges will be debited from your account when you are paid. This means you are not stuck in a long term repayment cycle and also allows you to apply for another payday loan again if you need one in future. Payday loans are in most cases paid out quickly, once you have applied online and been approved the loan could be paid into your bank account within an hour making them perfect for quick emergency loans. You will need to be employed, earning a salary with a bank account that accepts debit orders and have a contact number, email address and valid South African ID to apply. Boodle is a popular payday loan provider in South Africa and you can apply online for loans of up to R3 000 with repayment terms of up to 32 days. As a registered lender with the National Credit Regulator you are guaranteed responsible lending and the service makes it easy to apply for a loan and get paid the same day, apply now @

What is a secured loan?

If you are unemployed or have a low credit score then getting a loan or any other finance can be difficult. A secured loan can then be an option to consider as no credit checks or employment checks are required. To get a loan you will need to offer some kind of security, an asset that you own which is fully paid which you can loan against. The asset(s) is stored securely for the loan duration until repaid in full plus interest and charges. If you do not repay the loan your asset will be sold to recover costs, there are no legal implications and your credit rating will not be affected. Whatever you would like to loan against cannot have any money owing to the bank or other creditors if you would like to use it as collateral for your loan. There are a wide range of assets that you could potentially loan against including cars, motorbikes, trucks, boats, yachts, gold, diamonds, jewellery, luxury watches, art, antiques and property. Lamna is one of the leading asset based lenders in South Africa and are registered with the NCR meaning you are guaranteed responsible lending practices and easy to understand fees. If you cannot get a loan then a secured loan may be an option, get more information or apply now @

What is a debt consolidation loan?

A debt consolidation loan is a large loan amount used to pay off other small loans and finance that you may have. The benefits of a debt consolidation loan are that you only pay a single monthly payment and it can reduce charges associated with having many small debts as it may be at a lower interest rate. Debt consolidation should not be confused with debt review or administration which is a legal process to help you reduce monthly repayments, clear your credit record, pay off debts and be protected from your creditors. If you would like find out more about debt review then a company like Debt Safe may be able to help. Debt consolidation could be a good idea for anyone that is no longer able to manage their debt and risk losing their assets. If you are looking for large cash loan to use to consolidate smaller debts then apply free at ezCASH and/or SA Personal Loans who both offer loan sourcing for unsecured loans in South Africa. You can use the cash to consolidate debts or for any other purpose you see fit.

Can't get a loan? Pawn a car for cash

Not able to get a loan from anyone and need cash? It can happen to many people, if your credit rating is very low or you are unemployed you may not be able to get approved for a loan. Pawn My Car may be able to help and offers a legal service that allows you to loan cash against your car, bakkie, minivan, motorcycle, truck, boat or any other vehicle that you own which is fully paid. Your loan amount is determined by the value of the vehicle and all you need to do to apply if complete a short online form and a consultant will be in contact during business hours to make you a loan offer. If you would like to proceed with the secured loan you will need to take your vehicle in for a valuation and sign the loan agreement. With all the correct documentation your loan could be approved and paid with 24 to 48 hours. If you are struggling to get a loan and are the owner of a vehicle why not apply for an asset based loan today @

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