It is ideal to not have any bureau listings. This will give you a better chance of being approved. However, if you have bureau listings then we will submit to the credit committee for consideration. They will make a decision based on their assessment of the risk.
Our rates are highly competitive and are governed by the National Credit Act. Some loans are based on a daily rate, another may be on a monthly rate. Depending on the size of the loan, the duration, the assessed credit risk and the different Pension Funds or Provident Funds.