Terms & Conditions

Last Updated: 2026

1. Introduction

Sure Loan is a registered credit provider (NCRCPXXXXX). By applying for a loan or using our website https://www.sureloan.co.za, you agree to these Terms and Conditions. These terms form a legally binding agreement between you (the Borrower) and Sure Loan (the Credit Provider).

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Service.

2. Loan Requirements & Eligibility

To apply for a Sure Loan, you must:

  • Be a South African citizen or permanent resident with a valid ID.
  • Be at least 18 years of age.
  • Be permanently employed with a minimum monthly income of R5,000.
  • Have a valid South African bank account in your name.
  • Not be under debt review, sequestration, or administration.

3. The Application Process

Pre-Agreement Statement: Before you accept a loan, we will provide a Pre-Agreement Statement and Quotation. This outlines the loan amount, interest, fees, and total repayment. This quote is valid for five (5) business days.

Affordability Assessment: As required by the NCA, we will conduct an assessment of your financial means and credit history. We reserve the right to decline any application that does not meet our affordability criteria.

4. Interest, Fees, and Charges

  • Interest: Charged in accordance with the National Credit Act limits.
  • Initiation Fee: A one-off fee charged at the start of the loan.
  • Monthly Service Fee: A recurring fee for the administration of your account.
  • No Hidden Fees: All costs are disclosed upfront on your Pre-Agreement Statement.

5. Repayments & DebiCheck

  • Repayments will be collected via DebiCheck or EFT as agreed.
  • You must ensure sufficient funds are available on the agreed date.

6. Default & Collections

  • If you miss a payment, we will notify you via SMS or WhatsApp.
  • Interest on overdue amounts will be charged at the same rate as the initial loan.
  • Continued default may result in your account being handed over to external collections and an adverse listing on credit bureaus.

7. Links to Other Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by Sure Loan (Pty) Ltd.

Sure Loan (Pty) Ltd. has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that Sure Loan (Pty) Ltd. shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such websites or services.

8. Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

9. Contact Us

If you have any questions about these Terms and Conditions, please contact us: