No - we do all applications via telephone, fax, email or directly via our website.

No - we will need a complete online application.

We calculate all interest and fees in line with the National Credit Act and applicable regulations.

Total Repay = Borrowing + Costs & Interest Rate Costs & Interest Rate, Installment and Total Repay are estimated values.

Interest: All the rates and fees fall within the prescribed “Short term Credit Transactions” as published in the National Credit Act 34 of 2005.

Interest Rates – The APR (Annual percentage rate for qualifying clients will be 28%)

Initiation fees - This is the maximum initiation fee we are allowed to charge
R165.00 + VAT per credit agreement, plus 10% of the amount of the agreement in excess of R1000.00, but never to exceed R1050.00 This amount exclude VAT and must also be added to the fee.

Service fee – This is a monthly service fee
R60.00 + VAT (Pro Rata)

If you are still up to date:
Please send an e-mail to arrears@lowbudgetloans.co.za to make arrangements.

If you are already in arrears for more than 7 days:
Please send an e-mail to lezelle@debtstudio.co.za.

No, you cannot apply if any of the above is relevant to you nor if you have applied.

If you always neglect your responsibilities we will most likely not be able to assist.

Yes as it is a legal requirement and we need to manage our risk

Yes our NCR registration number is NCR4858