Welcome to Thahla Loans. By accessing or using our website and loan services, you agree to comply with and be bound by these Terms and Conditions.
Please read them carefully before applying for any loan or financial service.
Thahla Loans is a registered and authorised credit provider based in Richards Bay, KwaZulu-Natal, South Africa.
We are a 100% black women-owned financial services company, providing short-term and personal loan solutions to qualifying South Africans.
To qualify for a loan with Thahla Loans, you must:
Be 18 years or older.
Be a South African citizen or permanent resident.
Have a valid South African ID.
Have a regular source of income.
Provide 3 months’ bank statements and proof of residence.
Approval is subject to an affordability and credit check in accordance with the National Credit Act (NCA).
Loan applications can be completed online, via WhatsApp, or in person.
Submitting an application does not guarantee approval.
Thahla Loans reserves the right to verify all information provided and approve or decline applications based on our credit assessment criteria.
All loans are subject to interest rates and fees as regulated by the National Credit Regulator (NCR).
Rates are clearly disclosed in your loan agreement before you sign.
There are no hidden fees, and you will always be informed of the total repayment amount upfront.
Repayments are made via monthly debit orders over the selected repayment period.
If a debit order fails, additional charges may apply as permitted by the NCA.
Late or missed payments may affect your credit record and future loan eligibility.
An updated settlement amount will be provided upon request, reflecting outstanding capital and interest due up to the settlement date.
Thahla Loans respects your privacy.
All personal and financial information provided during the application process is kept strictly confidential and used only for credit assessment and verification purposes.
We comply with the Protection of Personal Information Act (POPIA).
Thahla Loans is committed to responsible lending practices.
We will not approve a loan if it would lead to over-indebtedness or financial hardship.
All lending decisions are made in compliance with the National Credit Act (NCA).
By applying for a loan, you agree to:
Provide truthful and accurate information.
Notify us promptly of any changes in contact or banking details.
Honour all repayment commitments as per your signed loan agreement.
Failure to make payments may result in your account being handed over to debt collectors or legal proceedings being initiated.
All related costs will be for your account as per South African law.
Thahla Loans will not be liable for any loss, damage, or inconvenience resulting from the use of our website, services, or loan products, except where required by law.
Thahla Loans reserves the right to modify or update these Terms & Conditions at any time.
All changes will be published on our website and become effective immediately upon posting.
Phone / WhatsApp: +27 83 966 8396
Email: info@thahlaloans.co.za / loans@thahlaloans.co.za
Website: www.thahlaloans.co.za
Legal Notice:
Thahla Loans (Pty) Ltd is an authorised and registered credit provider under the National Credit Act.
All lending practices are regulated by the National Credit Regulator (NCR) to ensure fairness and transparency.
