1. Introduction
Welcome to E-Finance Ltd South Africa. By accessing or using our website and loan services, you agree to comply with and be bound by these Terms & Conditions. If you do not agree, please do not use our services.
2. Eligibility
To apply for a loan, you must:
- Be at least 18 years old
- Be a South African citizen or permanent resident
- Provide accurate and verifiable information
3. Loan Approval & Disbursement
Loan approval is subject to credit assessment, affordability checks, and verification of your personal details. E-Finance Ltd reserves the right to reject any application without providing specific reasons. Approved loans will be disbursed to your verified South African bank account.
4. Interest Rates & Repayments
Interest rates are determined by your credit profile and loan type. Repayment terms and schedules will be clearly communicated before you accept the offer. Failure to make repayments may result in additional charges, legal action, or reporting to credit bureaus.
5. User Responsibilities
You agree to use our website and services responsibly and for lawful purposes only. You must not:
- Provide false or misleading information
- Attempt to gain unauthorized access to our systems
- Engage in any activity that may harm or disrupt our website
6. Data Protection
We handle your personal information in accordance with the Protection of Personal Information Act (POPIA). Please read our Privacy Policy to learn how we collect, use, and safeguard your data.
7. Limitation of Liability
While we take every effort to ensure accuracy and reliability, E-Finance Ltd shall not be liable for any direct or indirect losses resulting from the use of our website or loan services.
8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content or privacy practices of such external sites. Accessing them is at your own risk.
9. Termination of Service
E-Finance Ltd reserves the right to suspend or terminate your access to services if you violate these terms or any applicable laws.
10. Governing Law
These Terms & Conditions are governed by the laws of the Republic of South Africa. Any disputes shall be resolved in the jurisdiction of South African courts.
11. Changes to Terms
We may update these Terms & Conditions from time to time. Updates will be posted on this page with the effective date noted below.
12. Contact Information
For questions or concerns regarding these Terms, please contact us:
- E-Finance Ltd, Johannesburg, South Africa
- support@efinance.co.za
- +27 11 456 7890
Last updated: October 2025