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Calculate Interest Rates | Cash Crusaders Loans | How to pay less

As difficult as it might seem, getting funds to pay for that dreamed vacation or that new computer can be easier than what you think. It all comes down to how well-informed are you about loan companies and loan options. Each credit option may refer to different types of purchase and may ask different requirements. In this opportunity, I want to expand on loans at Cash Crusaders so as to help you find out if they can be your loan entity.

Can I borrow money from Cash Crusaders?   

Cash Crusaders is known in South Africa for offering different kinds of financial operations. One of them, of course, is lending money. But their loans are not the typical loans for which you are asked to meet difficult requirements and present an endless number of documents that result in a lot of obstacles to get your money borrowed. We know banks always ask their applicants to prove their income, but what if you are not paid through a bank account or you’re an independent worker? Well, this company decided to be the helping hand many South Africans in this situation need, and they decided to offer pawn loans. These loans are granted against an item of value the applicant possesses. Although each loan contract will surely have specific terms and conditions, I will explain how is the procedure to take a loan at Cash Crusaders to ease the path to your funds.

How does a Payday Loan against goods work at Cash Crusaders in SA?

Now you understand the type of loan company Cash Crusaders is we can move forward to their loan process and their characteristics. As I said, the principal characteristic of these loans is that they require the borrower to have an asset as security of the money borrowed. Because of this, you can get your funds faster than with any other company or bank.

All the same, you need to know what does it mean to have an object as security for a loan. It means that Cash Crusaders will be in possession of that item until you repay the loan. So, you need to leave a valuable you can manage without for as long as the loan lasts. A second essential feature of these loans you need to be aware of is that they are payday loans, which means the repayment term is short. In just 30 days you are going to have to give the money back plus fees and interest charged. If not, and this is the hardest part, Cash Crusaders will be allowed to sell your item as payback of the money they loaned you.

Can I apply online for a loan at Cash Crusaders?

We all know nowadays everything is carried out through internet. There’s almost no company not working online. Clearly, Cash Crusaders is not an exception and you can start the loan process online. However, as the procedure involves you dropping off your possession, you will have to finish the transaction in person.

These are the steps Cash Crusaders take to issue a loan:

  • Once you request the loan amount, they go over your asset’s features to decide is the amount you asked matches the value of your object.

  • After that assessment, you will get your loan offer. This means, they’ll inform you about costs and fees.

  • If you think it’s a reasonable deal, you can go to their branch to take your loan and leave your valuable.

  • After you complete those steps, all you need to do is repaying the loan within 30 days to have your object back and move on with your life.

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As simple as that, you can have your money to spend the way you want. Clearly, Cash Crusaders has accomplished to offer South African quick hassle-free loans.

How does Interest Rate affect my Cash Crusaders loan?

Ok, we have covered the main characteristics of Cash Crusaders loans, but, I’m sure by now you’re wondering about the cost of these payday loans. Undoubtedly, the overall terms of your loan and your credit history will state the interest rate you’ll need to pay for your loan. To show you an example, let’s imagine you need R 5600 and your interest rate translates into R289 together with fees charged to grant the loan. To those numbers, you should add the initiation and the Service fees. Having all this information at hand, you might have to repay Cash Crusaders R6657 to have your object back.

How do I know if Cash Crusaders loan cost is reasonable?

There’s an easy to use tool you can take advantage of to understand how much should you pay for a loan. We can offer you our online loan simulator which will give you a clear sense of your loan payment. The best advantage is that you’ll get several loan offers from different bank which, clearly, will show you which is cheapest and which is the most expensive. By using it, you can compare your loans options before deciding on your loan entity. What’s more, you might even realize it will be better to take a personal loan instead of a pawn loan.

Cash Crusaders Loan Contact Details

Before ending this article, I want to focus briefly on Cash Crusaders contact information. To start, there are many offices around the country to make you easy to approach them. Some of them are in Gauteng and Western Cape, for instance. As each branch has their own phone number, I’ll give a couple of options. In Cape Town, you can call to 0213720099. In Port Elizabeth, the number is 0413977100. Remember, you can find the branch in your city and call them.

As making the right decision about a loan depends entirely on your specific situation, I can’t finish this article without advising you to think carefully about all your alternatives. I truly believe if you’re fully informed, you’ll make the smartest decision. So, you might want to read about other companies like for example Cash Converters.

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Questions and answers

1. Do your offer a loan for R35,000? 2.if yes, can I pay back the money in monthly instalment? Thank you.

Unfortunately, you will not be able to obtain a loan with 35.000 rand. With the private financial company Cash Crusaders, you can obtain up to 15.000 rand instead. The repayment period is ranged within 30 days with an initiation fee of 1.207 rand  and an interest rate of 750 rand. 

If I collect an item after two days, do I have to pay the full amount?

Whenever a client leaves an item of value with Cash Crusaders, it will be kept by the company and the seller will not be able to  make any claim over the asset  until the loan is completely paid. In your particular case, you may be charged a compensation fee if you do not collect the item on time. Consider, please, that you have 30 days to pay back the loan once you have borrowed the money. 

So, besides my valuable, what else must I bring? And how long does it take to receive the money?

If you need to borrow money from Cash Crusaders, you must hand over an item of value and also complete an online application form by providing your ID and contact details. The process is super simple and quick. One of the buyers will make a decision based on the value of the item you bring. After the process has been approved, you will have the money immediately afterwards. 

Can I get a loan if I am a government pensioner?

Certainly, you can. Cash Crusaders is not a regular lending company that requires all the applicants to hand over lots of paperwork to apply for a loan. Instead, you can borrow money by pawning an item of value that you possess. In other words, you can hand over an asset  which will function as a guarantee of the money you borrow. 

Hi do I have to pay a certain amount of money to get a loan from cash crusaders

In order for you to apply for a loan with Cash Crusaders, you do not need to pay a certain amount of money beforehand. However, consider that, apart from the loan, you will need to cover extra expenses. For instance, the company will charge clients the initiation and service fees. 

What is the interest percentage?

The interest percentage applied to a loan with Cash Crusaders company will depend on some factores. For instance, the general characteristics of your loan and also your credit history will influence the amount of interest rate the institution can offer you. You will access this information when you submit the online application.

How much repayment for 2,000 in 30 days?

How much repayment will establish Cash Crusaders for a loan of R2,000 in 30 days will depend upon a number of factors. For instance, the conditions of the good you want to pawn. You should bring the item you want to pawn to Cash Crusaders so they can assist you with the rate.

Hi, can Cash Crusader borrow me 3,000 R? I have two deep fryers, a double gas deep fryer and a double electric one, the gas only used once; they both in good condition.

If you want to ask for a loan of R3,000 at Cash Crusaders by using your deep fryers and gas deep fryer as guarantee, you should ask a Cash Crusaders employee to value those goods. This employee will consider the market price of the goods and the conditions in which they actually are.

I have a Samsung A11 phone. I need R 2000 loan against it. Is it possible for me to get the money?

You must bear in mind that when you ask for a loan at Cash Crusaders an agent will assess your Samsung A11 phone and see if it can serve as guarantee for a R2,000 loan. What you can do is check out how much is that phone valued now and consider how old it is and in what condition it is.

I have subwoofers 12" and a monoblock and a standard amp. Would that be enough to secure a loan of R1,500?

You will have to go to Cash Crusaders with your subwoofers 12" and your monoblock and amp so that an employee can tell you if you can borrow R1,500 from them. The things to be considered are the market value of the things you want to pawn and the condition in which they are.

I have a white gold ring with diamond we need to borrow R3000 against it for 39 days.

Cash Crusaders will need to see your gold ring with a diamond and assess the quality of it in order to decide if they can lend you R3,000 or not. After that is decided, you might be able to negotiate the term with Cash Crusaders employees. Remember that you need to have proof that the item is yours.

I have a 2019 Mecer laptop, it still works perfectly, but the charger is broken, so the laptop is off. I want to hand in the laptop for a 600 loan, is it possible?

What you should do is take your Mecer Laptop to Cash Crusaders so that an agent can take a look at it an evaluate how much money they can borrow you. This person will be the one to tell you if they accept your computer on those conditions or not.

I want a loan against my flat screen 32' sonitech tv. I need R4200.

You can ask for a loan at Cash Crusaders against your flat screen Sonitech. However, we cannot assure you that you will be able to ask for R4,200. An employee of Cash Crusaders will need to see your device to determine the amount of money they can lend you against it.

Does cash crusader in Athlone give loans against Y5 Huawei new still in box?

There are great chances you can get a loan at Cash Crusaders against a Y5 Huawei. In fact, Cash Crusaders does have a branch in Athlone. You should bring your phone to Cash Crusaders and negotiate with an agent the terms and amount of the loan you need from them.

I want to loan with my PlayStation 3 with all items. I need 3500 it's urgent I pay back next day.

At Cash Crusaders you can ask for a loan using your PlayStation 3 as guarantee of payment. Only Cash Crusaders agents will be able to tell you if you can borrow $3,500 and when you should pay off the loan. For this, you should go to Cash Crusaders with your device and talk to a representative.

I want to use my PlayStation 4 controller to get a loan, is it possible?

Cash Crusaders accepts a wide range of items as guarantee of a loan. However, whether you can use your PlayStation4 controller to get a loan will depend on the condition of this controller. If it is in proper conditions, you might not have any issues when asking for a loan at Cash Crusaders.

How much do you pay per month when you borrowed R600?

Cash Crusaders only offers loans that should be paid off within a month period. The amount you will have to repay for your loan of R600 will depend on the interest rate that Cash Crusaders offers you at the time you submit your application for a loan against your items.

Hi if i had a loan in exchange with my phone with cash crusaders and its passed the due date ...what will happen ?

If you asked for a loan at Cash Crusaders using your phone as security, and you are not able to pay off your loan, you will lose your phone. Cash Crusaders will have every right to execute the guarantee over the phone in order to recover the money they lent you.

Is any paperwork required for a phone?

No matter what item you want to use as security for a loan at Cash Crusaders, you will only need your ID. You will not be asked for your payslips or any other kind of document. This is a type of secured loan in which your items are your guarantee. The maximum amounts offered for a loan is 15,000 rands.

I'm 20 years old and I need a loan I have a laptop how can I get it?

If you want a loan at Cash Crusaders using your laptop, you will first have to fill in an online application. In this form, you will tell this company all about your laptop (technical information) and how much money you would like to borrow. Cash Crusaders will assess your request and let you know if you can take out the loan.

Can I sell an item if I'm not a South African citizen ?

If you are in need of selling an item to get a quotation with Cash Crusaders, there are only three main requirements that must be attained. You need to be twenty one years old or older, your items need to be paid off and they also need to be in working condition for you to receive quotes.

My phone is working but it got cracked. Can you take it? Samsung j5 pro

Cash Crusaders enables clients to sell an item that they have in exchange for a secured loan. Buyers will negotiate for you, that is, they will determine the value of the Samsung j5 pro so that you can get a loan at a particular amount. Take into account that if you cell phone is cracked, the value may be lower.

I want a loan of R1600. I am owning a Samsung A30 still new and I've been using it for 5 months, so do I qualify?

You can qualify for loans of R1600 at Cash Crusaders. The amount ranges between R 1000 and R15000. You should let the company know about your item (Samsung) and then finish the submission. On your behalf, online buyers at Cash Crusaders will negotiate the deal and you will be given thirty days to repay the amount of the loan.

How much can I ask?

Cash Crusaders allows their clients to ask a maximum amount of R15000. Remember the loan quote starts on R1000.

Is there any way I can extend the loan more than 30 days?

Unfortunately, you can’t. 30 days is the top term this company offers. You can repay it earlier but not later than a month.

If I present pays lips, can I get a higher loan?

No, as Cash Crusaders only refers to your item of value, your monthly income won’t be taken into consideration when processing your petition.

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