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*Applicants ID Number :

*Applicants Title :

*Applicants Name :
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*Applicants Cellular Number :

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*Applicants Work Phone Number :

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*Applicants Physical Address :
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Applicants Employment Details

*Employment Status :

*Company Name :

*Employment Date :

*Gross Salary :

*Net Salary :

*Monthly Expenses (Estimate) :

*Salary Frequency :

*Monthly Salary Date :

Applicants Loan Details

*Are you Blacklisted ?

*Are you under Debt Review/Administration ?

*Loan Amount Requested :

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Applicants Banking Details

*Bank Name :

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01. I the undersigned hereby give permission that I may be scored by various credit providers.

02. To consider my application the Financial Services Provider may obtain information from a credit bureau. (Credit Bureau’s supply banks and other parties with credit profiles and credit scores about persons to help them determine if a person is credit worthy.)

03. Information about how I conduct my account and overdraft facility may be given to and used by any other division of the bank or credit bureau.

04. The information I have given the bank on these forms is true and accurate.

05.1 I hereby authorise Pronto Loans T/A Bad Credit Loans to issue and deliver payment instructions to their Banker for collection against my above mentioned account at my above mentioned Bank (or any other bank or branch to which I may transfer my account) on the date my salary is deposited into my account on condition that the sum of such payment instructions will never exceed my obligations as agreed to in the Agreement and commencing as soon as this application has been submitted by me and continuing until this Authority and Mandate is terminated by me by giving you notice in writing of not less than 20 ordinary working days. The individual payment instructions of R299 so authorised to be issued must be issued and delivered as a once off payment

5.2 The individual payment instructions of R79 so authorised to be issued must be issued and delivered on a continuous monthly basis in order to receive immediate access to the value added service package

06.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 there are insufficient funds in my account to meet the obligation, you are entitled to track my account and represent the instruction for payment as soon as sufficient funds are available in my account.

I 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 will contain a reference, PRONTO, which will be included in the said payment instruction and if provided to me should enable me to identify the Agreement.

B. Mandate
I acknowledge that all payment instructions issued by Pronto Loans T/A Bad Credit Loans shall be treated by my above mentioned Bank as if the instructions have been issued by me personally.

C. Cancellation
I agree that although this Authority and Mandate may be cancelled by me, such cancellation will not cancel the Agreement. I shall not be entitled to any refund of amounts which you have withdrawn while this Authority was in force, if such amounts were legally owing to you.

Terms and Conditions
Full Names and Surname

I Accept the above Mandate and Terms and Conditions

By completing the above with your full names and surname you agree that this serves as a legal electronic signature and acceptance of the aforementioned debit order mandate, and terms and conditions.

In case of cancellation as a result of breach on the part of the applicant/client, the remaining balance shall become immediately due and owing to Bad Credit Loans. In the event Bad Credit Loans should hand the applicant/client over for collection of any amounts owing to Bad Credit Loans , Bad Credit Loans shall impose an administration cost of 25% (Twenty Five Percent) added to the outstanding amount owing by the applicant/client to Bad Credit Loans .All legal fees associated with the collection of monies owing to Bad Credit Loans in terms of these policies, being it for breach or otherwise shall be paid by, or be liable by the applicant/client on an attorney and client scale.

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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
3.51 avg. rating (70% score) - 59 votes