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ADSKI OÜ

Tartu mnt 52/1-166, 10115 Tallinn, Estonia

support@kashola.co.za

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Responsible Lending Policy

Kashola.co.za matches loan offers to customers, acting as an intermediary between them and licensed financial institutions. Kashola.co.za is not a financial institution, bank, or lender. It is not responsible in any way for loan agreements or terms. All calculations are approximate. Please check the lending institution’s website for the relevant terms and conditions.

Interest Rates and Repayment Periods

The loans offered on Kashola.co.za have a minimum repayment period of 120 days (four months) and a maximum of 180 days (six months). APRs range from 0% to 36%. Interest rates vary from lender to lender.

Collection Process

All payments are collected by the lender directly. If you are unable to repay your loan on time, contact your lender immediately to discuss possible options. Please note that late or non-payment may result in additional charges and may affect your credit score.

Consequences of Nonpayment

If you cannot repay on time, your lender may start the collection process as per the loan agreement. Your lender will often contact you to arrange an alternative repayment schedule. This could result in additional fees or interest. Lenders also have an option to file a lawsuit against you. Consider contacting your lender before missing a payment to find out what collection policy they have and discuss your repayment options.

Extensions

If you would like to extend your loan, you should contact your lender before missing a payment. Most lenders charge the same interest rate and commissions for another month on the total amount due. The loan may be renewed or extended automatically in the event of late or nonpayment. Additional interest and/or fees may be charged to your account. Please, think carefully before extending your loan, as doing so may substantially increase the amount you pay.

Extension Policy

Should you consider extending your loan, reach out to your lender before you miss a payment. Most lenders charge the same interest rate and fees for another month on the overall amount due. The loan may be automatically renewed or extended in the case of late or nonpayment. Additional interest and/or charges may be applied to your account. Please, think cautiously before extending your loan, as this could significantly increase the amount you pay.

Tartu mnt 52/1-166, 10115 Tallinn, Estonia