Beehive Financial Services

• Small loans to improve or extend a house
• Loans are paid out to a 3rd party (Building material supplier)
• Only 30% of the loan amount can be paid to the client to pay for wages
• Family income is taken into consideration in order to determine affordability
• The emphasis is on affordability!
• We strive not to overindebt clients!

• Bigger loans to a maximum of R150 000
• With a loan term of up to 12 years
• The client must own the property
• Repayment must be by salary deduction


• A client can only borrow against the savings if he/she saved for more than
6 months
• Can only borrow up to double the amount saved
• Competitive interest rates
• Requires fellow members to support the application


The Beehive group of companies was established in 1992 when a group of business leaders, church leaders and welfare leaders got together to address the high unemployment rate amongst the people living in the rural area of Lydenburg in Mpumalanga, South Africa.

Beehive started off as a job creation project, facilitating skills training as provided by training providers to unemployed people.

In 1994 the focus changed to enterprise development and Beehive become one of the first institutions to be accredited as a Local Business Service Centre to support small business development.

In 1996 Beehive partnered with the Get Ahead Foundation and Entrepreneurial Development South Africa to administer access to finance to mainly groups of women in survivalist businesses and emerging contractors participating in low cost housing projects.

Beehive received its first financial support from the Swedish International Development Agency and the Development Bank of Southern Africa.

Corner of Voortrekker & Burger Streets

P.O.Box 585

Phone: 0800246888
Fax: 013 235 4473

Mpowa Finance – Loans on the same Day

Mpowa Finance loans application is done online and this means clients do not have to leave work and visit a branch to apply for a loan. Rates offered are in term with the National Credit Act and are amongst the lowest in the country. After users pay off their loan they are welcome to apply for another one should they need it.

Reapplications for Mpowa Finance loans are also done online making the whole process easier. Mpowa Finance can help anywhere within the borders of the Republic of South Africa. They believe in forming relationships with their clients and are understanding of their changing needs and circumstances.

How it Works ?
Step 1: Complete the online application by 3 PM today and create an account. A loan contract will be emailed immediately.
Step 2: Upload your latest 3 months bank statements and your signed contract OR fax your documents to your designated loan consultant.
Step 3: A Mpowa Finance consultant will call you for a voice recording of your contract details. Cash hits your account at 5 PM!

Alternative Loans – Loans in Alexandra

Alternative Loans based in Alexandra, Gauteng offer short term loans from as little as R500 up to R16, 000 at a market related interest rate. Alternative Loans offer customers a personalised repayment terms based on negotiations, however they will give one full month to pay back the loan. These loans are very reliable and convenient to individuals not looking to get tied on a long term loan agreement.

You can apply for Alternative Loans with four easy steps. Firstly you need to figure out how much you would like to apply for and contact them. You can visit them in Alex, email application or apply online. To apply online, simply visit their website and complete the application form with your details and a consultant will contact you back to assist with the process. If your application is approved, funds will be paid directly into your banking account same day.

You can use the funds however you wish. You may pay for your education fees, fix your car, fix home, go on a family vacation, pay medical expenses, handle small legal fees and so on.

Who must apply for Alternative Loans?

Any person who meets the following requirements criteria and looking for a loan provider they can trust is welcome to apply for the loan.

  • 18 years or older,
  • permanently employed for 3 months minimum,
  • earning a regular income a month and are in the possession of a bank account and
  • SA green bar coded ID, then you will qualify for this loan.

Alternative Loans Contact Details

To find out more about Alternative Loans, please call (011) 3462378 to speak to a consultant. You can also send them a mail at and a consultant will contact you back. Alternatively visit their website at and read more.

Zarfin Payday Loans

Zarfin, offer short term loans from R500 to up to R10000. Loan repayments can me made over 1 to 12 months, depending on the amount you have borrowed.

Anyone may apply for our short term loan offering, whether you are blacklisted or simply looking for a payday loan to make it through the month.

To apply for your short term loan, follow our simple loan application process or send us a free please call me if you would like one of our consultants to give you a call.

Zarfin Contact Details

021 461 1991 Fax: 086 263 7544

Microfin Cash Loans

Viva Cash Loans

Get your cash loan with Viva Cash Loans, With Branches across South Africa you get an instant decision whether you qualify for a loan or not. Put your Cash worries aside with Viva Cash Loans


VIVA CASH LOANS Paardeneiland
52 Section St, Paardeneiland, Paardeneiland, Western Cape, South Africa

12b Kerk St, Koppies, Koppies, Free State, South Africa

Viva Cash Loans Fort Beaufort
15 Barrack St
Fort Beaufort
Phone: 046 645 3265

Viva Cash Loans Nelspruit Mbombela
Tel No : (013) 753-3610

Viva Cash Loans Rustenburg
47 Loop St, Rustenburg, 0299, South Africa
North West
Post Office box: 7439, Rustenburg, 0300
Phone: 014 597 1496

Loans in Bloemfontein with JN Finance

Apply for a loan of up to R6 000 with JN Finance in Bloemfontein. JN Finance comprises of  of Impala Finance, Amantla Finance, Zani Finance, Kagiso Finance, New Africa Finance, Rainbow Finance, Mangaung Finance, Iwita Finance, Hamilton Finance.


051 448 1003 – Aletta Botes
131 A St Andrew Street


051 448 9777 – Eckhardt Booysen
131 B St Andrew Street


051 448 4793 – JP Botha
22 Fontein street


051 448 0471 – Marius Botha
92 Nelson Mandela street


051 448 8444 – Ronald Pieterse
27 Fichardt Street


051 448 8282 – Lelanie Jordaan
7 Charles street


051 432 7385 – Chris Pietersen
6 Dennis Pooley street


051 448 8889 – Reggie Rautenbach
64 Harvey road


051 435 8100 – Marius Muller
7 Dunlop Street

Policy Trader – Cash for the policy

Policy Trader provides an alternative to a personal loan by providing an option to SELL YOUR restricted investment.

Policy Trader

No matter whether you have bad/poor credit history, Policy Trader is able to provide you with an option that does not require you to apply for a loan or pay back any interest. No credit vetting (credit check) and no interest is charged because you  are selling something you own.

If you own an endowment policy, structured product or preference shares which is restricted, you are still able to sell it for a market related price even though the life companies or product providers are not able to offer you a price due to it being restricted. Policy Trader will pay out the agreed cash amount within 48 hours*, making the process quick, simple and hassle free.

Products that don’t qualify at Policy Trader

are: Retirement annuities, new generation pure life cover only policies, deferred compensation, policies that have already matured and lastly funeral policies.


021 551 8222


+27 (0)86 538 4995


Physical Address:

Unit 223, The Quays, Park Lane, Grand Central
Century City
Cape Town

Postal Address:

PO Box 744

Xcelsior Financial Services

Xcelsior Financial Services offer a credit facility against any movable assets. The application process is quick, easy and paperless. You can have the cash transferred to the bank account of your choice within 45 minutes. There is no lengthy administrative process and no red tape. Loans are available from a minimum of R5 000 to a maximum of R500 000 and only limited to the value of assets offered as security.
XCELSIOR’s unique loan model makes us the preferred short term credit provider in South Africa. We believe in doing well by doing good.

You would need the following to qualify:

• You would need to own a FULLY paid up movable asset that is in your name, for example we take: Cars, Trucks, Motorcycles, Trailers, Boats ETC.

• Once the loan amount is accepted we then pay it out in any bank account of your choice, the money is available even before you leave our premises. The whole process takes approximately 45 minutes.

• The vehicle does stay with XCELSIOR in a security storage facility along with the original RC1 papers and once the loan is paid up we release both your asset and RC1 back to you within 24 hours.

• You will need to bring your ID and drivers license to any of our 5 branches when taking out the Loan with Xcelsior.

No affordability assessments or credit checks. Any client is welcome as the value of the assets used as security determines the qualified loan amount.

Contact Xcelsior Financial Services


Contact Numbers: +27 (0)12 997 1062
+27 (0)12 997 3946
E-Mail Address:
Office Address: Building 2, Villebois Office Park
Cnr De Villebois & Jacques Streets
Moreleta Park

Tel: 011 894 4166




100 Elizabeth Road Bartlett, Boksburg,

El Ridge Office Park,

Block C No:

7 First floor

Contact Numbers: +27 (0)12 546 9207
+27 (0)12 546 9421
E-Mail Address:
Office Address: Office 107
Normed Centre
260 Burger Street
Pretoria North


Contact Numbers: +27 (0)13 656 0058
+27 (0)13 656 0275
Fax Number: +27 (0)13 656 0018
E-Mail Address:
Office Address: Smokey Mountain Office Park
Unit 11A, Ground Floor
Route N4 Business Park, Ben Fleur x11
Contact Numbers: +27 (0)11 262 0086
+27 (0)11 262 0087
Fax Number: +27 (0)11 262 0084
E-Mail Address:
Office Address: Pinmill Farm, Block G, 1st Floor
164 Katherine Street

Contact Numbers:+27 (0)11 475 1579 +27 (0)11 475 1773
Office Address:
Shop 10, Retail Section of Constantia Office Park
Corner 14th Avenue & Hendrik Potgieter Road
Constantia Park
(Next to Samsung Smart Care Centre)