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ecfinance.co.za Apply for Loan : EC Finance

ecfinance.co.za Apply for Loan : EC Finance

Name of the Organization : EC Finance

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Status of Facility : Apply for Loan

Head Office : Cape Town

Website http://www.ecfinance.co.za/apply_for_a_loan.php

EC Finance Apply for Loan

** To make applying for a loan as easy as possible, you can decide how you wish to apply.

Related : EC Finance Check Your Loan Status : www.sanotify.com/3165.html

Please select one of the following :

1. Fill in Online Form

2. Send me an Email

3. Download PDF

Get a loan :

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** Read about our Personal Loan Requirements and Terms of Loans

** Apply for a loan online or download the application form

** Submit your application for approval

** You could be signing your loan agreement as early as 6 hours from right now!

Loan Interest Rates and Fees

** Your rate is fixed during the life of the loan.

** The interest rate you pay will be determined when you apply for the loan.

** It will be based on the lesser of 5%.

** This means that your rate will not vary from the rate it was awarded.

** Interest begins to accrue from the date of signing for the loan.

How Do I Get a Personal Loan?

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** In order to get a cash advance or cash loan you must first complete and submit an application form.

** Keep in mind that EC Finance is not a direct lender, we will not provide loans to consumers; instead we aid in the process, so that you will get the loans that best match your needs.

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** Once the application has been submitted, EC Finance will find a suitable lender based on your profile and loan requirements.

** The lender will disclose all payment information before you have any obligation to actually take out a loan.

** Before accepting and signing for the loan, be sure to thoroughly review all information regarding fees and rates.

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** Lenders are required by the Truth and Lending Act to disclose any and all fees that you may be required to pay.

** Be aware that any fees and expenses for getting a cash loan are decided by the lender based on your customer profile as assessed in your application.

** Thus, rates and fees may vary depending on the lender and customer.

** If you do not agree to the terms set by the lender, you do not have to accept the loan.

** However, should you decide to accept the terms and the loan, simply fill out the e-signature form and wait for your cash loan to be transferred directly into your bank account.

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Renewal Policy

** We do assist clients with more than one active loan, as long as their current loan with our providers is up to date.

** Once you have made three payments on your current loan you can apply for another loan with us.

** We will work out if you do qualify for another loan according the NCR rules as with the first loan.

Implications :

30 days late :

** This record will damage your credit scores only when it is reported as currently 30 days late.

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** The exception is if you are 30 days late often.

** Otherwise, a 30-day late payment will not cause lasting damage.

60 days late :

** This record will also damage your credit scores when it is reported as currently 60 days late.

** Again, the exception is if you are 60 days late often.

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** Otherwise, it will not cause long term damage.

Personal Loan Requirements :

All that is required for you to apply for a personal loan with EC Loans is that :

** you are a South African citizen

** you are at least 18 years of age

** you have been permanently employed for at least three months at your current employer

** you earn a minimum gross salary of R2 000 per month

** you have a bank account against which we can load a debit order and

** you are a South African citizen with a green bar-coded ID document

 

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