Rating based on 42 reviews

Xcelsior Loans

  • Short-term loans up to R500,000
  • Affordable loans
  • Low-interest starting from 20%

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Xcelsior homepage
Author Xcelsior. Screenshot of Xcelsior website.
[Accessed January 19, 2023]

About Xcelsior

When you need a fast loan Xcelsior can offer it to you in a fraction of the time it would take you to get it from a bank and with no credit check or paperwork.

Their loans are ideal for cash flow shortages and emergencies and can be repaid in affordable monthly instalments that won’t break the bank.

Get money in your account fast

They offer secured short-term loans that can be used to pay bills, buy groceries, put petrol in the car, and even be used as travel money among many other uses. Their loans are flexible, affordable, and can be credited into your account on the same day that you apply.

Xcelsior Services

At Xcelsior they offer people quick loans with no credit check in exchange for an item of value.

From boats and cars to watches and jewellery they accept a wide range of valuables and appraise them using the expert knowledge and experience they've gained over the years.

Borrow up to R500 000

At Xcelsior they do not have a strict minimum or maximum short-term loan amounts as each is valuable and each situation is different.

They will make you a loan offer based on the value of your item and you can take out a quick loan from R5 000 to R500 000 in just a few minutes.

Xcelsior – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 20%
  • Loan Amount up to R500,000
  • Decision 24 hours

Benefits of Xcelsior

  • Short-term loans up to R500 000
  • Get cash in 30 minutes
  • Low interest rates
  • Same day loan payouts

Short-term loan calculator

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

Bring them your item and get cash on the spot

You can begin your loan application online by filling out a form and making an appointment to bring in your item for an appraisal.

Once you've come in and had one of their staff appraise your item they will make you a loan offer, prepare the necessary agreement, and have you sign it. You will then get your short-term loan on the spot.

Applying for a loan with bad credit

With all the great short-term loans South Africa features and benefits that you get when you choose Xcelsior - you'll go from broke to paid in just a few hours with no paperwork and no red tape.

If you have bad credit or are blacklisted their loans are ideal for you since they do not run credit checks and will merely need to confirm that you are earning a stable income and can afford to make the repayments as per the agreement.

Provide them with the correct information

They have seen that customers tend to mislead them with certain information thinking that this will increase their chances of getting their short-term loan approved. The customer should always provide them with accurate and relevant information.

Failure to do so will not only make them decline your credit request but you will also be prohibited from applying for credit in the future. If you want them to consider your loan application, ensure that you provide them with truthful information on your bank statements and salary invoice.

Don’t apply for more than you actually need

Should you find that you qualify for more than you actually need, stick to the amount you requested at first. There is no need to apply for a loan amount that you don’t really need. Always ensure that you stick to the amount that you want and nothing else. It makes your loan easier to pay off.

The last thing you need is to find yourself in a situation where you have ruined your credit profile with a loan you didn’t really need at the time. Protecting your credibility is one of the most important things you need to do when you are applying for credit.

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Xcelsior is a trusted & reliable provider of short-term loans

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

November 2018

Applying for a short term loan with Xcelsior was so easy and convenient.

Rebecca M
— Mpumalanga —

April 2019

I got my money on the very same day after my short term loan application was approved at Xcelsior.

Daniel C
— Mafikeng —

Xcelsior Contact

Physical Address

  • Building 2, Villebois Office Park Cnr De Villebois & Jacques Streets Moreleta Park Pretoria Gauteng 0044 South Africa
  • Get Directions

Opening Hours

  • not available