Kaching - Klerksdorp

With more than 20 years’ experience in the micro-lending industry we know how important the correct loan choice is. We also know that time, service and cost play a major part in a client’s decision when taking a loan, especially when the loan is an unsecured personal loan. Our clients have always come first as we know the importance of building a trust relationship.

Today however, the micro-lending industry is regulated to ensure consumers aren’t exploited within the unsecured lending market and the rights of consumers within the credit industry are protected. However to many consumers still rely on a face to face interaction with a sales consultant when applying for a loan.

There is no longer a need to have a sales individual apply pressure selling to convince you that their  

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companies unsecured personal loan option is the best. This might have been the way to obtain credit 10 years ago but things have changed and it’s now possible to decide for yourself which online loan company you want to apply with and it’s always still your choice to opt out if you are not comfortable with the personal loan option provided. Time and how quickly you are assisted are two major factors when deciding on an unsecured personal online loan option.But you also want the convenience of being able to apply anywhere at any time. Lastly, you need to be able to trust the reputation of the company you are doing business with as this is key when applying for something that will ultimately affect the way you live.

Let’s explain our Service, Process and Different Options in more detail. Why Kaching. You get 20 Years’ worth of experience in the company you are doing business with. You have the peace of mind that we have your best interest at heart. You know that we want to make your online loan experience as seamless as possible. Your Online Unsecured Personal Loan application has never been this easy!

What Service can you expect. We will keep you informed about your personal loan application every step of the way. We will source the best unsecured loan option for you. We will always ensure that your experience is quick an easy. After all, why do you want to queue for credit. Once again we stress that Kaching brings you a variety of online credit options at a touch of a button, and even better it can be accessed 24/7 through any electronic device.

We don’t have any intention of ever doing business with any other loan providers than reputable lenders operating on a National level. This is why we have forged relationships with the best unsecured online lenders to not only bring you online credit that would suite your need but also your pocket. These lenders share our vision of not having to queue for credit and as a team we attempt to constantly change, develop and enhance our processes to bring you a pleasant online lending experience.

Not only do you have options but you know that the online credit you apply for will be done in such a way as to ensure that you are not over-committed and can afford to pay your loan back. So choosing the correct online loan option is crucial and asking for advice is your right as a consumer, notwithstanding the fact that you need to be comfortable and at ease with the company you are entrusting with this important decision.

Our online lending process has one major differentiation and this is to eliminate the need to travel and sit and listen to a sales pitch in order to obtain a loan. After all, why would you want to waste precious time and money for something you need now. So there is no need to queue for a loan when you follow our 60 second online loan application at www.kaching.co.za.

Not convinced yet? Test it for yourself and you can opt out any any stage. Once again ladies and gents when taking a loan, you have rights, as after all you are the consumer. You are the client and the client is king, so no need to feel bad when cancelling anywhere during the application process even after you have signed on the dotted line you have 5 days in which to say NO, I made a mistake or this isn’t the right option for me.

Can I apply at any time: Yes
Is your service available on Google: Yes
Do you have a Facebook page where I can message you: Yes
Do you have a client service or support desk: Yes
Can I apply from my PC at work: Yes
Any what about my phone: Yes, if you have access to the internet.
What if I have a query can I contact Kaching: Yes, all our contact details are on our website.
How long does the loan approval take: we attempt to do it within 24 hours but sometimes it could take longer depending how quickly you can submit documentation.

So how does the process work after I have applied.

You apply.
We send your info to our panel of lenders.
They do a pre-assessment and let us know whether you are eligible.
We contact you to let you know via email and sms.
They will then contact you to obtain documents and secure the loan agreement.
So let’s recap. Once we receive your application your details are forwarded to our panel of National unsecured loan providers for assessment depending on your credit need. Once a pre-online assessment is done in the background you will receive feedback in the form of an sms and email informing you whether your unsecured online loan pre-application was successful or not. Although we try our best to obtain a credit solution one must remember that every person’s credit score differs and this has a high impact on pre-online credit qualification.

If your pre approval is successful, you will be contacted by one of our providers to supply your pays lip and bank statement to process your unsecured online loan application. Of course these documents are requested in order to perform a full online credit assessment in order to determine whether you can afford your online loan vs your affordability. As stated our last wish is for you, our client to be worse off than you were when you applied for your online loan.

Now for some additional info. Know your rights. Determine exactly what you want and don’t be tempted by large sums of money. Perform a budget and see where you can cut costs before making a long term commitment. Once you are satisfied proceed to find the option that suites you best. Please be aware that taking a loan is the easy part of unsecured online loans but you need to be sure that you can firstly afford the loan, so disclosure of your household expenses for instance is crucial. The last thing you want is a month or two into your repayment of the online loan that you run into trouble and you are not able to re-pay as this will have an adverse effect on your credit score and future unsecured online personal loans that you apply for.

Some differences between loans.

A pay date loan is an online loan that is repaid in one installment. These unsecured personal online loans range between R500 to R8000. This is an emergency loan and not a loan you should take unless you can really afford to have a once off, large deduction from your bank account.
An unsecured personal online term loan is a loan that is re-paid over a period in installments with lower interest and a lower rand value installments. This loan can range between R1000 and R200 000.This is the option you want when your need is for a larger loan amount with installments that won’t cripple you financially in one go.
A consolidation loan is when a company consolidates your debt into one loan with a lower installment saving you money monthly. Do not be tempted to consolidate your debt in order to obtain more credit. This is counterproductive and might place you in a debt spiral.
So, let’s summarize. Online lending saves you time from having to queue. Online credit applications have also become a very safe and convenient option as it can be accessed from any device and more importantly it gives you the opportunity to way up your options of which unsecured online loan you want to take. But in today’s competitive online credit market you want choice. You also want an unsecured loan that is priced well and which assists you rather than places you under more pressure financially. This is where Kaching comes in. We source the best unsecured online loan for you.

So, all you need to do is apply for your online and we do the rest. We also have an experienced support desk that can assist you when you might have a query regarding your unsecured online personal loan and you are welcome to contact us 24/7 as we are here to make your online loan journey a pleasant and seamless experience. We thank you for choosing Kaching as your preferred unsecured personal online loan service provider and we hope to be off assistance throughout your online credit journey.