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I hereby irrevocably agree and authorize the below debit order mandate and irrevocably agree to the terms and conditions of Bad Credit Loans

I understand that this agreement is between myself and Bad Credit Loans a division of HDL Trading and that it is not a loan agreement

I acknowledge that I am paying for the Member Benefits

I hereby give authority to debit monthly for my Member Benefits

I agree that I have read and understand the Terms and Conditions. This agreement will form part of your consent and will form a binding electronic mandate and agreement between yourself (the applicant / client) and Bad Credit Loans and I agree that the payment instruction for the amount of R350,00 (Once Off) and R99,00 (per Month) will be issued and delivered between the 25th and last day of the month.

I/We hereby authorise you to issue and deliver payment instructions to your Banker for collection against my/our
above-mentioned account at my/our above-mentioned Bank (or any other bank or branch to which I/we may
transfer my/our account) on condition that the sum of such payment instructions will never exceed my/our
obligations as agreed to in the Agreement and commencing on Today's Date and continuing until this Authority and Mandate is terminated by me/us by giving you notice in writing of not less than 20 ordinary working days, and sent by prepaid registered post or delivered to your address as indicated above.

The individual payment instructions so authorised to be issued must be issued and delivered as follows: Monthly

In the event that the payment day falls on a Sunday, or recognised South African public holiday, the payment day
will automatically be the very next ordinary business day.

I/We understand that the withdrawals hereby authorised will be processed through a computerised system
provided by the South African Banks. I also understand that details of each withdrawal will be printed on my bank
statement. Such must contain a number, which must be included in the said payment instruction and if provided
to me should enable me to identify the Agreement. This number must be added to this form in Section E before
the issuing of any payment instruction.

A. Mandate
I acknowledge that all payment instructions issued by you will be treated by my abovementioned bank as if the instructions had been issued by me personally.

B. Cancellation
I agree that, although this authority and mandate may be cancelled by me, such cancellation will not cancel the agreement. I also understand that I cannot reclaim amounts that have been withdrawn from my account (paid) in terms of this authority and mandate if such amounts were legally owing to you.

This authority and mandate has been given electronically in terms of the electronic communications and transactions Act 25 of 2002, Chapter 3, Part 1.

If you agree to the above and click "Submit". We cannot be held liable should any incorrect information be given which could result in your application being declined.


Please only click Submit once, depending on the speed of your connection submissions can take up to 60s to process

A personal loan is an easy and affordable way to better your life. Think about the good that a loan can do for you or your family.

Personal loans to suit your individual needs. Use your loan to build your home, pay for your education or to consolidate your debt.

Below is an Example (excluding credit life insurance) of a R50 000 loan over 60 month period.

Maximum Interest Rate Minimum Interest Rate
Interest Rate 28% 22.3%
Loan Value R50 000 R50 000
Term 60 months 60 months
APR 31.5% 25.8%
Total Amount Less Capital R49 747 R39 469
Total Amount R99 748 R89 469
Monthly Instalment R1 662 R1 491
3.57 avg. rating (71% score) - 42 votes