Xcelsior is a registered credit provider with South Africa’s National Credit Regulator: NCRCP4752
When you need a fast loan Xcelsior can offer it to you in a fraction of the time it would take you to get it from a bank and with no credit check or paper work.
Our loans are ideal for cash flow shortages and emergencies and car be repaid in affordable monthly installments that won’t break the bank.
Get money in your account fast
We offer secured short-term micro-loans that can be used to pay bills, buy groceries, put petrol in the car and even be used as travel money among many other uses.
Our loans are flexible, affordable and can be credited into your account on the same day that you apply!
What Xcelsior can offer you
At Xcelsior we offer people quick loans with no credit check in exchange for an item of value.
From boats and cars to watches and jewelry we accept a wide range of valuable and appraise them using the expert knowledge and experience we've gained over the years.
Borrow up to R 500,000.00
At Xcelsior we do not have a strict minimum or maximum short-term loan amounts as each valuable and each situation is different.
We will make you a loan offer based on the value of your item and you can take out a quick loan from R 5,000 to R 500,000 in just a few minutes.
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In a Nutshell
- Average processing time 24 hours
- Online application
- In-store application
- Secured loan option
- Bad credit consideration
- Early repayment
Bring us your item and get cash on the spot
You can begin your loan application online by filling out a form and making an appointment to bring in your item for an appraisal.
Once you've come in and had one of our staff appraise your item we will make you a loan offer, prepare the necessary agreement and have you sign it. You will then get your short-term loan on the spot!
Applying for a loan with bad credit
With all the great short term loan features and benefits that you get when you choose Xcelsior - you'll go from broke to paid in just a few hours with no paperwork and no red tape.
If you have bad credit or are blacklisted our loans are ideal for you since we do not run credit checks and will merely need to confirm that you are earning a stable income and can afford to make the repayments as per the agreement.
Provide us with the correct information
We have seen that customers tend to mislead us with certain information thinking that this will increase their chances of getting their short term loan approved. The customer should always provide us with accurate and relevant information.
Failure to do so will not only make us decline your credit request, but the client will also be prohibited from applying for credit in the future. If you want us to consider your loan application, ensure that you provide us with truthful information of your bank statements and salary invoice.
Don’t apply for more than you actually need
Should you find that you qualify for more than you actually need, stick to the amount you requested at first. There is no need to apply for a loan amount that you don’t really need. Always ensure that you stick to the amount that you want and nothing else. It makes your loan easier to pay off.
The last thing you need is to find yourself in a situation where you have ruined your credit profile with a loan you didn’t really need at the time. Protecting your credibility is one of the most important things you need to do when you are applying for credit.
Eligibility & Requirements
- Employed full-time
- Credit check
- Active email address
- Recent pay slips
- Bank statements
- Proof of address
Other Products & Services
- SHORT-TERM Loans
- PERSONAL Loans
- QUICK Loans
Customer Reviews & Testimonials
Applying for a short term loan with Xcelsior was so easy and convenient.
— Mpumalanga —
I got my money on the very same day after my short term loan application was approved at Xcelsior.
— Mafikeng —