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Useful Information

How do I apply for a loan via onlineloan247.com?

Submit an online application with our straightforward form, and we'll help find a suitable lender for you.

Is it free to use onlineloan247.com?

The service we offer at onlineloan247.com is entirely free. We earn through commissions from lenders if a loan is credited to your account.

What's the loan amount I can apply for?

The loan amount you can apply for ranges from R500 to R30 000, depending on individual circumstances and lender terms.

What identification do I need to apply?

To be eligible for a loan at onlineloan247.com, you need to be a South African resident, 18-80 years old, have a valid bank account, and a consistent income source.

Is a perfect credit history mandatory for a loan?

Our partnered lenders consider various factors, including repayment ability, not just credit history.

Am I allowed to repay my loan ahead of time?

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?

If you're struggling with loan repayment, we advise you to contact your lender directly for possible options.

What's the procedure for loan repayment?

Only your lender can provide you with specific information regarding your loan, including repayment dates and times. Repayment periods may vary. Please contact your lender to inquire about your loan terms.

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Material Disclosure

We represent Fininity OÜ, which acts as a credit broker. We are not a lender. onlineloan247.com does not directly offer any type of loans or consumer loan products.

Repayment Periods and Interest Rates

The loans offered through onlineloan247.com have a minimum repayment period of 120 days (four months) and a maximum of 180 days (six months). Interest rates vary from lender to lender, and APRs range from 0% to 36%. Your credit score and financial situation may influence the rates you're offered.

Collection Process

All payments are collected by the lender directly. If you are unable to repay your loan on time, contact your lender immediately to discuss possible options. Please note that late or non-payment may result in additional charges and may affect your credit score.

Consequences of Nonpayment

If you cannot repay on time, your lender may start the collection process as per the loan agreement. Your lender will often contact you to arrange an alternative repayment schedule. This could result in additional fees or interest. Lenders also have an option to file a lawsuit against you. Consider contacting your lender before missing a payment to find out what collection policy they have and discuss your repayment options.

Loan Extension 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

If you want to renew or extend your current loan, kindly contact your lender before your payment date. Even though 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.
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