Rating based on 25 reviews


  • Loans bad credit up to R500,000
  • Low-interest starting from 27%
  • Repayment up to 36 months

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Xcelsior homepage
Author Xcelsior. Screenshot of Xcelsior website.
[Accessed April 6, 2023]

About Xcelsior

Xcelsior is a registered credit provider that offers South Africans a faster and more convenient alternative to personal loans offered by large traditional banks.

With them, you can get a quick cash loan with no affordability check and no long application procedures.

A unique approach to finance in SA

In an era where corporate institutions and large banks hold all the power, it's refreshing to find a lender that does it a little differently. At Xcelsior they pride themselves in being able to offer customers something that banks can't - large short-term loans at incredible speeds!

Xcelsior Services

Unlike big lenders, they're not going to drown you with jargon and unintelligible rates, stats and sums because they're simple and they're going to keep it this way.

They offer South Africans quick loans of between  R5 000 and a very decent R500 000 that you can use as you wish.

Vehicle as security

In order to qualify for a loan you must be able to provide security in the form of a vehicle. They will then appraise the vehicle and offer you a cash loan based on this estimated value. This means that you can get cash on the same day that you apply - saving you lots of time!

Xcelsior – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate from 27%
  • Loan Amount up to R500,000
  • Repayment 36 months
  • Decision 24 hours

Benefits of Xcelsior

  • Loans are paid out on the same day
  • Bad credit loans up to R500 000
  • Apply for a loan in 3 easy steps 
  • Get cash in 30 minutes

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This bad credit loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

They are proud to boast that you can receive your loan within the same day of your application.

They've been offering people secured personal loans for a number of years and have refined the loan application process to the point of perfection.

Vehicles they accept

At Xcelsior they accept a wide range of vehicles from sedans and hatchbacks to motorbikes and jet ski's you can put up almost any kind of vehicle for a bad credit loan. Once your vehicle has been appraised and they've made you an offer you will receive your cash in just 45 minutes!

How it works

With 6 branches across Gauteng applying for a secured fast loan couldn’t be easier. The vehicle must be stored in their secure facility for the duration of the loan term and, should you be unable to pay they will sell the vehicle and reimburse you the balance.

Applying for an Xcelsior loan

If you are tired of being turned away by unreasonable lenders then you will be happy to know that your search is over. Xcelsior is the best bad credit lender in all of South Africa and they're there to help you obtain the finance that you deserve. It all starts with a simple online application and a phone call, a fast appraisal of your vehicle and a same-day payout.

Getting the money you need is literally as easy as one, two, three! There are no catches, fine print or red tape so leave the fine tooth comb at home. What are you waiting for? Grab your Smartphone, Tablet or laptop and get clicking away! The time for change is right now.

Bad credit lending with a twist

Traditionally lenders would shy away from those with less-than-desirable credit as they posed a potential risk. They, however, are not naïve enough to believe that an individual’s worth can be measured by a score. Life is complicated, people are complicated and so is their finance which is why they assess based on affordability instead. If you are able to afford the loan, they will give it to you. Get the chance that you deserve to turn your life around and improve your credit score along the way. Xcelsior – a lender that cares about the financial future of South Africa.

man holding thumbs up

Xcelsior is a trusted & reliable provider of loans bad credit

In our review, Xcelsior adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ Xcelsior is a registered credit provider in South Africa: NCRCP4752

Customer Reviews & Testimonials

December 2018

Xcelsior gave me the fast payout that I needed. I awoke to an unexpected bill on my doorstep and had no idea how I was going to pay it when Xcelsior saved me from a potentially difficult month.

Bradley H
— Springs —

April 2019

Thank you Xcelsior for giving me the second chance that I needed. With your help, I was able to get my finances back on track and start my slate clean!

Carleen B
— Vanderbijlpark —

May 2019

I was greeted by a friendly voice during my time of need. Thank you to your wonderful, caring and professional staff for helping me get the finance I needed in order to get through this pinch.

Courtney R
— Germiston —

Xcelsior Contact

Physical Address

  • Building 2, Villebois Office Park Cnr De Villebois & Jacques Streets Moreleta Park, Pretoria Gauteng 0181 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed