QADC LOANS Getting money is extremely fast and easy.

Every one of our service providers uses Credit Bureaus and all the publicly-available data at their disposal to guard against fraud and make the best possible lending decisions based on your circumstances at the point of application. This includes evidence of your disposable income and financial commitments. If you are declined, we will give you as much information as possible about the reasons why along with any relevant advice we can offer and you’re always welcome to apply again should something change. Our service providers recognize your circumstances can change, so if you return to use our service again, they will base every decision on a fresh review of your credit-worthiness, reserving the right to decline future applications even if you have repaid a previous loan on time.

You will always be encouraged to settle your debt quickly – either on time or early and will be able to compare interest accrued at any stage with the total cost of credit on the agreed repayment date – at any time. They will clearly show you how much you could save if you settle early. You can repay a loan early at any time and save money, paying only the interest accrued up to that point. They do not charge early repayment fees and there are no catches. They will automatically collect full repayment on the date agreed and never encourage you to roll your balance over for another term.

Our service providers always provide a clear warning about the serious nature of credit and explain the potential consequences of non-payment or late repayment. If your circumstances change for the worse, you will be treated fairly and respectfully. All our service providers abide by both the spirit and the word of the National Credit Regulator’s guidance on Debt Collection as outlined in Chapter 6 of the National Credit Act 34 of 2005 and subsequent associated guidance. They will only ever extend the length of your loan term when requested to do so by you – and if they believe it to be in your best interests. They will clearly explain the additional cost of extending your loan, require you to significantly reduce the outstanding balance to do so and limit the number of times you can move your repayment date. They will never extend the term of your loan without your request and will not charge you a default fee, but they may charge you administration costs incurred by them in attempting to collect what is owed to them by you.

We make it easy to contact us during office hours: via our website, e-mail or phone. If you have a complaint or concern, you will receive a response from us within hours. We will respond to your complaint and endeavor to resolve it as soon as possible. If your complaint is particularly complex, it may take longer to investigate but, in these cases, we will explain why there is a delay and tell you when we will contact you again. If you are not satisfied with our response you can appeal the decision by writing to us again, stating your objections and providing any new information to be considered