Cash Port

Frequently Asked Questions

How do I apply for a loan via CashPort.co.za?

Want to apply? Determine your loan amount and fill a brief online form. We'll connect you with a suitable lender.

Is CashPort.co.za service free of charge?

The service we offer at CashPort.co.za is entirely free. We earn through commissions from lenders if a loan is credited to your account.

What's the loan amount I can apply for?

The loan amount you can apply for ranges from R500 to R350 000, depending on individual circumstances and lender terms.

What do I need to apply for a loan online?

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?

At CashPort.co.za, our lenders evaluate your future repayment ability, not just your past credit history.

Am I allowed to repay my loan ahead of time?

Yes, you can settle your loan before it matures.

What to do if I can't repay my loan?

If you're struggling with loan repayment, we advise you to contact your lender directly for possible options.

How can 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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Responsible Lending Policy

We represent Fininity OÜ, which acts as a credit broker. We are not a lender. CashPort.co.za does not directly offer any type of loans or consumer loan products.

Repayment Periods and Interest Rates

The APR is the cost of borrowing a loan, expressed as a nominal annual interest rate. As CashPort.co.za is a credit broker and not a lender, we cannot guarantee a particular annual percentage rate. Annual percentage rates typically range from 0% to 36%. Repayment periods for loan products usually range from four months to six months. Before accepting a lender’s offer through our system, please make sure to read through the loan agreement carefully, since interest rates and repayment terms may differ from those listed on this website.

Debt Collection Policy

CashPort.co.za does not collect payments. Your lender will contact you by regular mail, email, or phone to outline a repayment schedule. Please contact your lender to determine their collection process, as the terms may vary.

Consequences of Nonpayment

Non-payment of your loan could have severe consequences. Each lender has its own policies regarding late payments and non-payments, which may include additional fees or charges, legal actions, and negative impact on your credit score. We encourage borrowers to understand their lender's policies and to make payments on time.

Loan Extension Policy

If you wish to renew or extend your current loan, please contact your lender as soon as you can before your payment date. Although some lenders may extend your loan with the same terms as the original loan, each lender has their own extension policy and may charge additional fees or interest. Sometimes, renewals may be processed automatically. Please consider the decision to extend your loan very carefully and seek independent financial advice if necessary.

Term Extension

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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