Rating based on 17 reviews

Xcelsior Loans


  • Car finance up to R500,000
  • Low-interest starting from 27%
  • Repayment up to 60 months

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Xcelsior Loans homepage

Author Xcelsior Loans. Screenshot of Xcelsior Loans website. [Accessed February 27, 2020]

About Xcelsior Loans

Finance should not be complicated which is why Xcelsior Loans likes to keep things simple.

Purchasing a new vehicle is supposed to be remembered with fondness; not manifest into a stressful nightmare!

Getting to know us

Since the start of our operations in 2010, we have been able to assist thousands of South Africans in need of vehicle finance solutions. Our expert staff have used their extensive knowledge and skills to ensure that all vehicle loans are processed, arranged, and executed within the shortest time possible.

An Xcelsior vehicle loan allows you quick access to the cash that you need in a hurry without all the hurdles and delays that normally occur when trying to obtain finance. With over six branches spread across the country, the reach of our helping hand can be felt in various provinces in South Africa. Do not be shy – just complete the application and we will take it from there.

Transparency and integrity above all else

The team at Xcelsior operates with full integrity and transparency – there is no room for mixed signals, fine print, and hidden charges in our loan agreements. When we are formulating a contract for you, you can rest assured that all the important information is fully disclosed with you upfront.

We are firm believers in conducting business that is fair, honest, and open. So long as you are in need of our services, we will do right by you and guarantee the best outcome each time.

What Xcelsior Loans can offer you

It is not enough to guarantee that you will get the finance to afford that new car, bike, or boat – we want to ensure that you are happy.

Which is why we have also introduced the “tell a friend” program which will reap benefits for you too!

Our reasonable vehicle loans

Xcelsior’s vehicle loans can be used to finance an array of vehicle products including sports cars, luxury vehicles, boats, caravans, and bikes to name a few. Clients can access personal loan amounts from R50,000 up to R250,000 to finance these vehicles and repay the loan over a reasonable period of time.

We will work closely with you to determine the repayment period in order to ensure that you are able to budget for the payments. Remember: the longer the loan repayment period, the smaller the monthly repayments will be.

Tell all of your friends

When you recommend friends or family to make use of our services, you are not only doing us a favour but helping yourself out at the same time. When you refer an individual to make use of our services, you stand for 1% of the loan value to be repaid into your account. This means if you borrow R100,000 you will obtain a return of R1,000.

If you are happy with our services, then get out there and spread the word so that you can also reap the benefits!

Xcelsior Loans Car finance

  • Loan Type Car finance
  • Interest Rate from 27%
  • Loan Amount up to R500,000
  • Repayment 6 months to 60 months

Benefits of Xcelsior Loans

  • Loans are paid out on the same day
  • Apply for a loan in 3 easy steps 
  • Get cash in 30 minutes

Car finance 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.

Cash within minutes with Xcelsior Loans

The vehicle finance that you have been waiting for is only a single loan application away!

Do not waste time as the dream vehicle you have eyeing could be purchased at any time and we are sure you do not want to be left feeling disappointed.

Cash in only 30 minutes

Xcelsior believes that the secret to a successful vehicle finance business is to provide fast and easy finance. This is why our clients can have the money they need to be transferred in only 30 minutes! Due to our paperless loan application process, everything is conducted online which greatly reduces the hurdles of a lengthy administrative process.

Online loans you say?

You heard us right! Our loan application is 100% online which means that you do not need to take time off work to visit us in the branch. Instead, all you have to do is pick up your Smartphone or Tablet and locate the ‘apply’ button our website. It is literally as easy as that!

But what are the requirements?

When you apply for one of our loans, there are a few requirements in place to ensure that you will have a stress-free and easy loan experience. These requirements are as follows:

  • No applicants under the age of eighteen.
  • South African citizen with valid South African ID
  • Employed full-time with proof of income
  • Valid South African driver’s license

Customer Reviews & Testimonials

September 2019

Thanks to the fast loan processing time that Xcelsior offers, I was able to get the finance I need in no time! I love my new car and can drive it without fear of an unaffordable loan.

Cassandra M
— Johannesburg —

November 2019

Organizing vehicle finance is a breeze with Xcelsior! The best part is that their staff are so friendly, knowledgeable, and easy to talk to. I highly recommend their services!

Simphiwe M
— George —

Xcelsior Loans Contact Details

Physical Address

  • Villebois Office Park, Building 2, Corner Devillebois Mareuil Drive and Jacques Street Moreleta Park Pretoria 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