Financial difficulties have been affecting more and more South Africans in recent years, as we are faced with a rough economic climate, where prices just keep skyrocketing. For many, a personal loan can be the saving grace they need to get through a rough patch or afford expenses that are outside of their budgets. Applying for a loan with Dot Loans is a painless and fast process, and we have even helped clients access Blacklisted Loans.
Borrowing money from reputable lenders, based on what you can afford, is as simple as visiting our website and applying for a loan online. The loans that we make available to consumers include Personal Loans that meet your immediate financial needs, and Long Term Loans that can be paid back over a lengthier period of time. You can take loans out with repayment terms of anywhere from 30 day loan to 6 years, depending on the amount you need and your affordability. Personal Loans are there for you to spend how you see fit, and this is not something you will need to disclose to us. We make loans as accessible as possible, to give you one less thing to worry about.
When applying for a loan, Dot Loans first considersyour financial circumstances, current debt commitments and your monthly financial obligations, to make sure that you can easily afford the repayments towards your loan with us.
Our streamlined approach to getting you the loan you need starts with a free online loan application form. If your credit score is bad and you’re concerned about how your loan agreement will work, it is pretty straightforward- our Blacklisted Loans are given as secured finance. This means that you will need to sign a valuable item over as security, in the event that you do not honour the loan agreement we have in place with you. For this reason, we encourage consumers to carefully consider their own personal capacity when taking out a loan with bad credit, and to understand their own limits.
Short Term Loans can be given as either 30 day payday loans or 90 day payday loans, and are typically for a lower amount, which makes it easier to afford. Dot Loans can also assist you if you are in debt and need to come up for air. We work with lenders who specialise in Consolidation Loans, where you take out a large loan that is used to repay all your smaller loans through just one monthly payment. This is an ideal step forward for consumers who do not qualify for Debt Review, but are still unable to manage their debts. Credit solutions are within your reach and applying for a loan has never been easier. Get in touch with us today to begin!