+ How does Zarco loans work?
Zarco loans provides small short term loans to customers for that unexpected needs. You apply online, it’s fast, easy and affordable. If approved, you’ll receive the money within an hour as we make use of pay and clear at no extra cost to our customers.
+ Term of loan?
Zarco loans provides payday loans. The duration is 5 – 34 days at most.
+ What do I need to apply for a loan?
You need to be over 18, living in South Africa, have an active SA bank account have an SA ID, have internet access, your own email address and cell phone. You also need to be able to repay us on the date you promise to, if not please don't use Zarco loans.
+ How much money can I borrow?
You can request anything between R500 – R2500 the first time you apply for a loan. We let you choose exactly how much money you want to borrow, right down to the last cent. Simply use the sliders on the home page to select the loan size and duration. You'll see the amount available to you by using the sliders after you log in. The maximum loan is R5000 - a sum only available to customers who've used the service responsibly over a significant period of time.
+ About our trust rating
Please note that our trust rating system is part of our commitment to responsible lending and
+ Does Zarco require a credit check?
Yes, we do a credit check, as we're only interested in lending to people whom we believe can repay a
+ What personal information does Zarco need?
We need to know personal details like your name and surname, ID number, home address, phone
+ Do I need to be employed?
You need to have a regular income, because we only want to lend you cash if you can afford to pay it
+ Do I need a bank account?
Yes, a current bank account is required.
+ Do I need to give a reason for my application?
Nope, not at all
+ How long will it take to get my loan?
We make payment as soon as possible after an application has been approved. We'll email you when
+ How long before I have to repay a loan?
That's up to you! You can select exactly how long you want the cash for, between one day and a
+ How do I repay a loan?
Simply by ensuring the required cash is available in your bank account (the one that you have given
If you ever want to repay a loan early you're welcome to! You can repay a loan at any time, simply by
If you would like to make a manual payment you may do so by paying into the following bank
If your repayment date is in the next 3 business days, please do not make a manual payment to
+ What happens if I don't repay my loan?
We hope it never comes to this but if our early morning collection attempt is declined by your bank -
Your account will be handled by our professional collections team. They will do their best to come to
Continued failure to repay a loan will mean we may be forced to take legal action against you. In
+ How do bank holidays and weekends affect the service?
In most cases they don't affect the service at all. Loan payments are normally made within half an
+ What if I have a complaint?
We want to put a smile on your face every time you use our service. So if you have recently received
We hope it never comes to this, but you can file a complaint to firstname.lastname@example.org . We will
Finally, we are registered with the National Credit Regulator, so you can register a complaint via
+ What is Account Holder Verification?
This is simply a process to verify that your personal details match your bank details. It’s part of our
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