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Fees and Commissions

Our loan matching service, Kashola.co.za does not charge any commissions for using funds. The service operates with full integrity. We do not charge any commissions. Our services are completely free for you to use.

Your financial institution sets the penalties for late payments in your agreement. Lenders in South Africa set their own interest rates and penalties for late repayments.

It is important to note that all financial relationships are between you and your financial institution, not Kashola.co.za. We are not a lender and never act as such. As a website, we only match borrowers and financial entities by offering a selection of companies that provide cash loans up to R350000 for a period of 120 days.

The financial institution will determine its own policies regarding loan provision and payment. The borrower agrees to the terms online directly on the lender’s website. You may choose to accept or decline the terms offered in the loan agreement. Your agreement details the loan amount, repayment period, daily interest rate, fees, and penalties.

Kashola.co.za cannot access your loan agreements. If you have questions regarding your loan agreement or repayment, contact your lender directly through the means of communications detailed on their website.

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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.
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