First, you must create an account and will take you about 2 minutes to do so and on the dashboard, you will go to Loans >>>> Apply Loan and then select your loan package you wish to get and submit. You will know within 2 hours if you qualify or not.

You should contact us immediately and let us know your situation. It is always best that you speak to Swiftbux if you believe you may not be able to make your next repayment rather than wait until the payment is missed.

If your payment to us doesn’t go through as swiftly as it is supposed to you will incur additional monthly service fees of R50 excluding VAT as well as interest on the outstanding amount. We will continue to follow up on you so you make payment, the bank will charge you up to R130 for each failed collection attempt due to insufficient funds. Then our Attorneys will take legal action against you & you will be charged with the legal costs they incur while trying to get payment from you. Lastly your financial/credit record will be ruined & you will be unable to get finance for anything else anywhere, this means you will not be able to buy a house/car etc. This is a terrible situation to find yourself in so please use our service responsibly.

If you have doubts about your ability to make payment then please do not apply.

It is important that you respond to any notices you receive and keep up to date with your loan repayments. Like any regulated consumer finance product, not meeting required loan repayments may result in one or more of the below actions against you:

• Credit Reference Agencies may be notified of any outstanding amounts, which may affect your credit rating and ability to obtain goods, services or particular forms of employment.
• A third-party collection agency may intervene to help recover any outstanding amounts.
• Legal proceedings including, but not limited to, a County Court Judgment may commence.

The system we use to approve loan applications is linked to credit bureaus that keep your credit record and payment history. It’s important to know where you stand with the bureaus before you apply.

This can affect your loan application:

• Your credit record and payment history.
• Risk or affordability.
• Credit bureau disputes or inaccurate information.
• Administration or sequestration orders.
• Debt counselling or legal processes.

You can apply for a loan from R10,000 to R50,000 for any car that’s 5 to 20 years old at any approved dealer in South Africa.