At AAY Investment Loan, our mission is clear: to empower South African consumers by offering seamless access to financial resources anytime, anywhere. Leveraging cutting-edge technology, we deliver credit within minutes, available for online and in-store use. Our fully automated decision-making engine ensures a paperless, self-service application process accessible directly through our website or partner retailers’ platforms. We’ve innovated a user-friendly journey that facilitates real-time interactions, enabling customers to make secure purchases online or in-store with confidence
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Access our website and make use of our online application form by filling your personal details which will take you just 5 min
Upload the required documents to help us do the background check. We need your 3 month bank statements, payslip and copy of ID
Once everything is processed, we will call you to get ready for receiving your cash, we will need a confirmation of your banking details
info@aayinvestmentloanltd.co.za
27 87 510 2272 27 76 136 3224
1st floor, 76 Bree St, Cape Town City Centre, Cape Town, 8000, South Africa
Minimum loan period 12 months Maximum loan period 60 months. Maximum APa
There should only be initial cost if your monthly debit order was unsuccessful as a result of insufficient funds or changing bank accounts without prior notice to the service provider. The service provider will try to contact the client in order to resolve the problem.
If the client can’t be found or the problem can’t be solved, it would be handed over to the internal collections department to see if a solution to the problem can be found. If an agreement can’t be reached, the lender can make use of an external collections company or an attorney.
This will lead to an increase in fees and interest. This will have a big influence on the clients credit score and it will be very difficult to get any more credit from any loan provider.
Monthly premiums for loan repayments will be done by direct debit order collection from the clients bank account. Unsuccessful debit order collections may result in the client being charged a fee by his own bank for the unsuccessful transaction.
Maximum APR 32% per annum. Representative example: Loan amount R100 000, terms: (Annual Percentage Rate) 28%, monthly service fee R68.40, monthly repayment R4558.00. The interest rate will depend on the loan amount, loan term, and credit profile of the applicant.
Maximum APR 32% per annum. Representative example: Loan amount R100 000, terms: (Annual Percentage Rate) 28%, monthly service fee R68.40, monthly repayment R4558.00. The interest rate will depend on the loan amount, loan term, and credit profile of the applicant.
If a client is up to date with his loan repayments, they may qualify for a second or third loan depending on the criteria as set by the loan company. The client will have to apply again and the loan provider will look at the clients profile, affordability, etc. The loan provider will then make a decision based on the rules and regulations as set by the NCR.
