To qualify for a short-term loan, you will need to be above the age of 18 (Eighteen) and a South African citizen , be permanently employed for a minimum of 3 (Three) months , have an active bank account and you can’t be bankrupt or under debt review.
We do a credit check on your name and details, if you have a bad credit record, it does not necessarily mean that we will not assist you. We consider a lot of factors as well, and if we feel comfortable that you will be able to repay the loan, we will definitely consider your application.
All payments are made directly into the bank account that you receive your salary. Therefore your bank account needs to be active and you have to be able to make cash withdrawals on that account.
During your registration you need to give us your active contact details, physical address, employer details and a breakdown of your income(s) and expenses. You will need to provide us with your banking details as we need to pay the money into your account and load the debit order for your monthly instalment.
All your private information is kept 100% safe and secure. Please see our privacy policy in the terms and conditions where you can read all about the ins-and-outs of what we do with your information. HelpCare is a registered credit provider.
Yes, we require our clients to be employed for a minimum period of 3 months and receive a monthly salary paid into your bank account that we will debit.
You need to have an active bank account that is registered in your name. We will not be able to make any payments to a 3rd party bank account.
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We will collect the repayment from your bank account on the due date so please ensure there is sufficient funds in your account.
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We understand that certain things happen in life that are out of your control. We will always try and accommodate your situation and make alternative arrangements where we can. The responsibility to set up an alternative arrangement lies with you. Please contact us in advance
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In the event of non-repayment and we are unable to work out an active arrangement with you, we will be forced to hand your account over to an external debt collection company. We will further have to notify the national loan register and the credit bureau. This will mean unnecessary costs for you, and will also affect your chances of qualifying for a loan anywhere else in future. That is why it is very important for you to communicate with us if you are experiencing financial difficulties, this will allow us to revise your repayment plan and help you out where we can.