Cash Port

Useful Information

Steps to apply for a loan at CashPort.co.za?

Submit an online application with our straightforward form, and we'll help find a suitable lender for you.

Are there any charges for using CashPort.co.za?

Using CashPort.co.za comes at no cost to you. We make our money through commissions when a lender credits a loan to your account.

What's the loan amount I can apply for?

Our lender partners at CashPort.co.za offer loans ranging from R500 to R350 000.

What identification do I need to apply?

To apply, you need to be a South African citizen, aged 18-80, with a bank account or debit card, a valid SASSA card or Tax ID Number, an income source, and personal email and phone number.

Can I apply if I have a bad credit history?

Our partnered lenders consider various factors, including repayment ability, not just credit history.

Can I repay my loan early?

Absolutely, early repayment is advisable. The earlier you settle, the less you pay in interest.

What should I do if I can't afford my loan repayments?

Contact your lender immediately if you're unable to make payments. They're often willing to provide helpful solutions.

How should I repay my loan?

The repayment process is determined by the specific lender. It is essential to carefully read and understand your loan agreement, as it will outline when payments are due, their frequency, and the duration of the repayment period. Contact your lender directly for any specific questions regarding loan repayment.

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Intermediary Responsibilities Policy

CashPort.co.za matches loan offers to customers, acting as an intermediary between them and licensed financial institutions. CashPort.co.za is not a financial institution, bank, or lender. It is not responsible in any way for loan agreements or terms. All calculations are approximate. Please check the lending institution’s website for the relevant terms and conditions.

Maximum Repayment Periods and Interest Rates

The loans offered on this website through Fininity OÜ have a minimum repayment period of 120 days (four months) and a maximum of 180 days (six months). Our repayment periods are typically 120 days. Rates vary from 0% to 36%. Interest rates vary from lender to lender. Your situation and credit score will affect the rates offered to you."

Collection Process

Most lenders will contact you through regular mail, email, or phone to change your payment terms. Failure to pay may result in interest accruals and/or increases and may affect your credit score. Continued failing to pay may result in the lender transferring your debt to a collection agency, which will lead to additional fees.

Consequences of Nonpayment

If you cannot pay on time, each lender has their own policies on fees/interest and how they handle debt collection. Some lenders may explore legal options in the event of continued nonpayment. Most lenders will contact you by regular mail, email, or phone to change your payment terms. Failure to pay may result in interest accruals and/or increases and may affect your credit score. Please read through the fees section on the lender’s website before proceeding to taking a loan.

Renewal Policy

If you would like to extend your loan, you should contact your lender before missing a payment. Most lenders charge the same interest rate and commissions for another month on the total amount due. The loan may be renewed or extended automatically in the event of late or nonpayment. Additional interest and/or fees may be charged to your account. Please, think carefully before extending your loan, as doing so may substantially increase the amount you pay.

Extension Policy

CashPort.co.za does not advise renewing or extending loans, as this could lead to increased charges and interest, and trap you in a cycle of debt. However, if you cannot repay your loan on time, it's vital to contact your lender to discuss your options. Each lender has different policies and procedures for loan extensions and renewals. Please ensure that you fully understand your lender's policy on this matter before agreeing to the loan.
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