How much does it cost to use Centric Lending?
Absolutely nothing. Our service is 100% free for you to use. We don’t charge any application fees or hidden admin costs to connect you with our network of lenders.
How much can I borrow?
You can apply for loans ranging from as little as R100 all the way up to R250,000. Whether you just need a small top-up to get through the month or a larger amount to finance a new bakkie or home renovation, we can help you find the right fit.
How long do I have to repay the loan?
Repayment terms are flexible and depend on the loan amount and the specific lender’s offer. Terms generally range from a few months up to 72 months (6 years), giving you the breathing room to pay it back comfortably.
How quickly will I get a response?
We know that when you need funds, you don’t want to wait around. Our online system processes your details in real-time. Once you hit submit on our secure application form, you will get immediate feedback and loan offers.
Are the lenders on your panel safe and legitimate?
Yes, 100%. We take your financial safety very seriously. We only partner with reputable banks and private lenders who are strictly registered with the National Credit Regulator (NCR) of South Africa. No loan sharks, just complete peace of mind.
Do you guarantee that my loan will be approved?
While we connect your application with up to 15 different lenders to give you the absolute best chance of approval, the final decision rests with the lenders themselves. Approval and the interest rate offered (starting from 20% APR) will depend on your personal credit profile, affordability, and the lender’s internal criteria.
What can I use the loan for?
The funds are yours to use as you see fit! Our clients use their approved loans for a wide variety of reasons, including personal day-to-day expenses, debt consolidation, short-term emergencies, vehicle finance, home improvements, or even funding education.
Will my personal information be kept safe?
Yes. Your privacy is our priority. We use secure, encrypted technology to ensure that your details are safely transmitted only to our trusted lending partners for the sole purpose of finding you a loan.