Rating based on 43 reviews



  • Quick loans up to R500,000
  • Low-interest starting from 27%
  • Repayment up to 36 months

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Xcelcior homepage

Author Xcelcior. Screenshot of Xcelcior website. [Accessed March 9, 2020]

About Xcelcior

Xcelsior was started in 2010 with the aim of providing alternative and hassle-free short term solutions.

Having more than 25 years of experience in the loan sector, Xcelsior was started with you in mind. With Xcelsior loans, you get quick and easy access to the money you need.

Our exceptional service

No unnecessary paperwork, or background checks. Xcelsior is registered, so you have peace mind knowing that you are in good hands. With 6 branches across South Africa, we are here to help you with any type of personal loans and business loans.

Why Xcelsior and not a bank

A bank is mainstream and not as quick as applying with Xcelsior. Banks check everything, from credibility to whether you have been blacklisted or have a bad credit history. Where as with Xcelsior, we are not concerned with that. The application process is less than an hour.

What Xcelcior can offer you

It’s getting harder by the day to obtain cash, especially using traditional means, like the bank. We offer loans to those who are not deemed credible and who need bridging finances.

With Xcelsior the application process is quick and easy and definitely paperless. No background checks are done and a loan can be approved even though you are blacklisted.

Secured loan options

Every process is transparent and there are no hidden costs or surprises. We offer secured loans against any and all motor vehicles. These are used as collateral but ownership remains with you. So instead of selling your assets off, why not loan against it?

Minimum and maximum amounts

The minimum amount that you can get from Xcelsior is R5000 and the maximum amount will be R250, 000. Whichever vehicle you use or bring will determine the loan value you receive from SupaSmart.

Xcelcior Quick loans

  • Loan Type Quick loans
  • Interest Rate from 27%
  • Loan Amount up to R500,000
  • Repayment 2 months to 36 months

Benefits of Xcelcior

  • Loans are paid out on the same day
  • Apply for a loan up to R500,000
  • Get cash in 30 minutes

Quick loans calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Xcelsior is South Africas favourite choice for quality loans

We can extend the contract. We are essentially here for you but communication is key and you will also have to make sure that the interest along with the loan amount is paid in full. If you really cannot repay your loan then we will sell your car to make up what is needed.

Xcelsior application process

Are you need of cash really quickly and don’t want to go through the usual channels.

Use Xcelsior, for your fast and easy loans without the hassle of paperwork and long lines or credit checks. You can use your vehicle and take out a loan against it. Just fill out the online loan application, we will call you and start the process. We will then assess the asset and determine the loan amount available to you. When your loan is approved, payment is made immediately via EFT. No red tape, or delays.

How long do I wait for the money?

We pride ourselves on being efficient. The quick loan process takes approximately 30 minutes. Your cash is then transferred into the account of your choice.

What security does Xcelsior accept?

All types of vehicles are accepted as security. We accept, cars, bikes, trucks, boats, bakkie, caravan and even motorised vehicles. They must all be in good driving condition.

What do I need to bring to apply for the loan?

We would want for you to bring your ID/licence, and original papers for the car. If the car is on the companies name then the company documents need to be brought with as well as the names of the board directors of your company. Other than this, the application process involves no other paperwork.

Customer Reviews & Testimonials

January 2019

I got exactly what I wanted, very happy. Their loans are convenient to apply for and I got a low-interest rate.

Jenny G
— Rosebank —

September 2019

I couldn’t have chosen any better, thank you Xcelsior for my fast and affordable loan

Mavis A
— Drakensburg —

Xcelcior Contact Details

Physical Address

  • Villebois Office Park, Building 2, Corner Devillebois Mareuil Drive and Jacques Street, Moreleta Park Pretoria Gauteng 0044 South Africa
  • Get Directions

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 08:00 – 12:00
  • Sunday – Closed