Help centre
Every guide, in one place
37 guides covering the whole journey, from what a loan costs to what happens after you settle it. Search below for general guidance. For a specific application or agreement, contact the provider handling it.
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Before you borrow
Short-term loans in South AfricaUnderstand a single-repayment loan, compare its full cost and check the repayment date before applying.Small debt consolidation loansCompare the total cost of combining small debts, including fees, insurance and the effect of a longer repayment term.Loan costs and calculator assumptionsSee how the illustrative interest, initiation fee, service fee and insurance settings produce the calculator total.Applying for a first loanPrepare a first credit application, compare the written cost and check which company will handle your information.Applying again: what to compareCheck a new quotation on its own merits instead of assuming previous approval or a loyalty discount will carry over.Loan application checklist for South AfricaCheck identity, income, affordability and the provider’s specific requirements before starting an external loan application.How to use BluCross CapitalRead a guide, explore an illustrative repayment calculation and understand what happens when you open an external application.Credit life insurance on a loanUnderstand what to check in a credit life quotation, including the insurer, premium, exclusions and claims process.
Applying
Documents for a loan applicationPrepare documents requested by a lender and share them through a verified application channel.Bank verification for a loanUnderstand why a provider checks a bank account and how to verify the channel before sharing information.DebiCheck explainedCheck the collector, amount and payment timing before confirming a DebiCheck mandate with your bank.Understanding loan payout timesDistinguish application approval, payment submission and receipt in your bank account.When a loan application is declinedAsk the lender about a decision, check information for errors and reassess affordability before applying again.Settling accounts through consolidationUse current settlement figures, verify payment references and obtain confirmation from every creditor.
Repayments
Managing loan repaymentsUse the payment instructions in your agreement and keep records of transfers and debit-order collections.Settling a loan earlyRequest a dated settlement quotation and confirm what remains payable before closing a credit agreement.Getting a paid-up letterObtain written confirmation that a lender has settled and closed the relevant loan account.Changing a repayment dateAsk your lender about a date change before the scheduled payment and confirm the revised terms in writing.After a missed loan paymentCheck the payment status, contact the lender and agree realistic next steps for an overdue instalment.Help when repayments are unaffordablePrepare a realistic budget, contact the creditor and find registered help if debt repayments no longer fit your income.
Help & your rights
Borrowing responsiblyAssess affordability, identify borrowing pressure and check a provider before making a credit decision.Checking and correcting a credit reportReview the accounts and enquiries recorded about you and dispute factual errors through the appropriate credit bureau.About BluCross CapitalBluCross Capital publishes South African loan guides, illustrative cost calculations and links to external providers.Contact and loan-query routesFind the right place for a website correction, an application-status question or an existing loan query.Making a loan or website complaintSend a concern to the organisation responsible and keep the evidence, reference number and written response.Loan website security and scamsVerify the company, website and payment instructions before sharing documents or responding to an unexpected loan message.How to verify a credit providerCheck the actual lender or financial services provider in official registers before relying on a registration claim.Editorial policy and calculation methodUnderstand who publishes this website, what its examples mean, how sources are used and how to report a correction.Reading a pre-agreement quotationCheck the written amount, total cost, repayment schedule and provider before accepting a credit offer.Loan agreement checklistIdentify the parties, payment obligations and procedures that apply to a real credit agreement.Website terms of useUnderstand the scope of this information website, its illustrative calculator and external referral links.Website privacy noticeUnderstand information used by the calculator, referral redirects, hosting service and email contact channels.Privacy requests about this websiteDirect an information request to the organisation that holds the relevant email, application or loan records.Access to information: request guidanceFind the relevant organisation and official guidance when requesting records under South African access-to-information procedures.Website language policyThis website’s guides and calculator use English and South African rand; check the language of an external agreement separately.Website accessibilityUse keyboard navigation, readable cost breakdowns and text-based estimates, and report a barrier with the page address.Cookies and browser storageUnderstand what the current website’s calculator and referral redirect store, and what changes after you leave it.
Still stuck?
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