Rating based on 43 reviews


  • Quick loans up to R500,000
  • Low-interest starting from 27%
  • Repayment up to 36 months

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Xcelcior homepage
Author Xcelcior. Screenshot of Xcelcior website.
[Accessed January 23, 2023]

About Xcelcior

Xcelsior was started in 2010 with the aim of providing alternative and hassle-free short-term solutions.

Having more than 25 years of experience in the loan sector, Xcelsior was started with you in mind. With Xcelsior loans, you get quick and easy access to the money you need.

Their exceptional service

No unnecessary paperwork, or background checks. Xcelsior is registered, so you have peace of mind knowing that you are in good hands. With 6 branches across South Africa, they are here to help you with any type of personal loans and business loans.

Why Xcelsior and not a bank

Banks are mainstream and not as quick as applying with Xcelsior. Banks check everything, from credibility to whether you have been blacklisted or have a bad credit history. Whereas with Xcelsior, they are not concerned with that. The application process is less than an hour.

Xcelcior Services

It’s getting harder by the day to obtain cash, especially using traditional means, like the bank. They offer loans to those who are not deemed credible and who need bridging finances.

With Xcelsior the application process is quick and easy and definitely paperless. No background checks are done and a loan can be approved even though you are blacklisted.

Secured loan options

Every process is transparent and there are no hidden costs or surprises. They offer secured loans against any and all motor vehicles. These are used as collateral but ownership remains with you. So instead of selling your assets off, why not loan against it?

Minimum and maximum amounts

The minimum amount that you can get from Xcelsior is R5 000 and the maximum amount will be R250 000. Whichever vehicle you use or bring will determine the loan value you receive from SupaSmart.

Xcelcior – Quick loan

  • Loan Type Quick loans
  • Interest Rate from 27%
  • Loan Amount up to R500,000
  • Repayment 2 months to 36 months

Benefits of Xcelcior

  • Loans are paid out on the same day
  • Apply for a loan up to R500 000
  • Get cash in 30 minutes

Quick loan calculator

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

Xcelsior is South Africas favourite choice for quality loans

They can extend the contract. They are essentially here for you but communication is key and you will also have to make sure that the interest along with the loan amount is paid in full. If you really cannot repay your loan then they will sell your car to make up for what is needed.

Xcelsior application process

Are you need cash really quickly and don’t want to go through the usual channels?

Use Xcelsior, for your fast and easy loans without the hassle of paperwork and long lines or credit checks. You can use your vehicle and take out a loan against it. Just fill out the online loan application, and they will call you and start the process. They will then assess the asset and determine the loan amount available to you. When your loan is approved, payment is made immediately via EFT. No red tape, or delays.

How long do you wait for the money?

They pride themselves on being efficient. The quick loan process takes approximately 30 minutes. Your cash is then transferred into the account of your choice.

What security Xcelsior accepts

All types of vehicles are accepted as security. They accept, cars, bikes, trucks, boats, bakkies, caravans,s, and even motorised vehicles. They must all be in good driving condition.

What do you need to bring to apply for the loan?

They would want for you to bring your ID/license, and original papers for the car. If the car is in the company's name then the company documents need to be brought with as well as the names of the board of directors of your company. Other than this, the application process involves no other paperwork.

Customer Reviews & Testimonials

January 2019

I got exactly what I wanted, very happy. Their loans are convenient to apply for and I got a low-interest rate.

Jenny G
— Rosebank —

September 2019

I couldn’t have chosen any better, thank you Xcelsior for my fast and affordable loan

Mavis A
— Drakensburg —

Xcelcior Contact

Physical Address

  • Villebois Office Park, Building 2, Corner Devillebois Mareuil Drive and Jacques Street, Moreleta Park Pretoria Gauteng 0044 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 08:00 – 12:00
  • Sunday – Closed