Rating based on 25 reviews

Loans for Bad Credit offered by Xcelsior

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Xcelsior is a registered credit provider with South Africa’s National Credit Regulator: NCRCP4752

About Xcelsior

Xcelsior is a registered credit provider that offers South Africans a faster and more convenient alternative to personal loans offered by large traditional banks.

With us, you can get a quick cash loan with no affordability check and no long application procedures.

A unique approach to finance in SA

In an era where the corporate institutions and large banks hold all the power, it's refreshing to find a lender that does it a little differently. At Xcelsior we pride ourselves in being able to offer customers something that banks cant - large short-term loans at incredible speeds!

What Xcelsior can offer you

Unlike big lenders, we're not going to drown you with jargon and unintelligible rates, stats and sums because we're simple and we're going to keep it this way.

We offer South Africans quick cash loans of between  R 5,000.00 and a very decent R 500,000.00 that you can use as you wish.

Vehicle as security

In order to qualify for a loan you must be able to provide security in the form of a vehicle. We will then appraise the vehicle and offer you a cash loan based on this estimated value. This means that you can get cash on the same day that you apply - saving you lots of time!

Interest Rate

From 0 %

Loan Amount



In a Nutshell

  •  Average processing time 24 hours
  •  Online application
  •  In-store application
  •  Secured loan option
  •  Bad credit consideration
  •  Early repayment

We are proud to boast that you can receive your loan within the same day of your application.

We've been offering people secured personal loans for a number of years and have refined the loan application process to the point of perfection.

Vehicles we accept

At Xcelsior we accept a wide range of vehicles from sedans and hatchbacks to motorbikes and jet skies you can put up almost any kind of vehicle for a bad credit loan. Once your vehicle has been appraised and we've made you an offer you will receive your cash in just 45 minutes!

How it works

With 6 branches across Gauteng applying for a secured fast loan couldn’t be easier. The vehicle must be stored in our secure facility for the duration of the loan term and, should you be unable to pay we will sell the vehicle and reimburse you the balance.

Applying for an Xcelsior loan

If you are tired of being turned away by unreasonable lenders then you will be happy to know that your search is over. Xcelsior is the best bad credit lender in all of South Africa and we here to help you obtain the finance that you deserve. It all starts with a simple online application and a phone call, a fast appraisal of your vehicle and same day payout. Getting the money you need is literally as easy as one, two, three! There are no catches, fine print or red tape so leave the fine tooth comb at home. What are you waiting for? Grab your Smartphone, Tablet or laptop and get clicking away! The time for change is right now.

Bad credit lending with a twist

Traditionally lenders would shy away from those with less than desirable credit as they posed a potential risk. We, however, are not naïve enough to believe that an individual’s worth can be measured by a score. Life is complicated, people are complicated and so is their finance which is why we assess based on affordability instead. If you are able to afford the loan, we will give it to you. Get the chance that you deserve to turn your life around and improve your credit score along the way. Xcelsior – a lender that cares about the financial future of South Africa.

Eligibility & Requirements

  •  Employed full-time
  •  Credit check
  •  Active email address
  •  Mobile
  •  Photo ID
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • BAD Credit Loans
  • PERSONAL Loans
  • QUICK Loans

Customer Reviews & Testimonials

December 2018

Xcelsior gave me the fast payout that I needed. I awoke to an unexpected bill on my doorstep and had no idea how I was going to pay it when Xcelsior saved me from a potentially difficult month.

Bradley H
— Springs —

April 2019

Thank you Xcelsior for giving me the second chance that I needed. With your help, I was able to get my finances back on track and start my slate clean!

Carleen B
— Vanderbijlpark —

May 2019

I was greeted by a friendly voice during my time of need. Thank you to your wonderful, caring and professional staff for helping me get the finance I needed in order to get through this pinch.

Courtney R
— Germiston —

 Find us here

Building 2, Villebois Office Park Cnr De Villebois & Jacques Streets, Moreleta Park, Pretoria
South Africa

 Opening hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed

 Get in contact

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