Terms & conditions
CONSUMER TERMS & CONDITIONS
Please click on either of the below links to see our Consumer Product Terms & Conditions:
CONSUMER INTEREST RATES
We offer annual interest rates for Consumer Lending ranging from 10.95% p.a. to 15.95% p.a.
An additional 5% p.a. to your actual interest rate may be imposed under the contract in the event of a default in payment or the credit limit being exceeded (if that 5% default rate was included in the rates above, in a default situation, this would increase the annual interest rate rage to 15.95% to 20.95%).
The annual interest rate applied will be dependent on a number of circumstances, which take into account:
- The length of the term you choose and can afford
- How much you would like to borrow
- What the loan is required for
- The type of security
- Your personal circumstances with regard to financial obligations
- Your personal credit history
- Whether you are in default or not