FAQs.
At **SECURE LOANS**, we believe in keeping things clear and simple. Our FAQ section is designed to answer the most common questions about our personal and business loan services. From loan eligibility and required documents to repayment terms and interest rates, you’ll find straightforward explanations that help you make confident financial decisions.
We provide both **personal loans** (for education, medical expenses, home improvements, etc.) and **business loans** (for working capital, expansion, or equipment purchases).
You can access up to **R360,000**, depending on your credit profile, income, and loan purpose. Each application is assessed individually to ensure you get the right amount.
Our digital application process is fast and simple. In most cases, you can get a decision **within minutes** after submitting your documents.
Generally, you’ll need a valid ID, proof of income (like payslips or bank statements), and proof of residence. Business loans may require additional financial statements.
Your loan comes with a **personalised interest rate** based on your creditworthiness, loan amount, and repayment period. We ensure full transparency—no hidden fees.
Yes. You can repay your loan early without penalties. Early settlement helps you save on interest costs.
No. Our personal and business loans are typically **unsecured**, meaning you don’t need to provide assets as collateral.
If you miss a payment, you may incur late fees, and it could affect your credit record. We encourage clients to contact us immediately so we can discuss flexible solutions.