Long Term Loans

At EZI Finance, we provide South African’s with Long Term Loans that are transparent, customized and not hard to obtain. Our team of financial and loan professionals understand the importance of accessible loans, which have the potential to help individuals make important purchases or take independent steps in their lives. Even though, as working consumers, our monthly income should support our day to day expenses and afford us our monthly bills, most of us need a lending hand when it comes to affording life’s “bigger picture” expenses.

A Long Term Loan, also known as an Unsecured Credit Transaction, is a loan that exceeds the amount of R8 000. When you apply for a Long Term Loan online through EZI Finance, we will ensure that you’re given the best loan agreement possible, based on your ability to pay it off and the urgency of your loan application. We even work with low credit score individuals to provide sound loan solutions, and can do the same for you if you meet our criteria and are not undergoing Debt Review, Sequestration or similar debt relief measures. We work with reputable lenders and South Africa’s most well established banks, who follow proper lending practices that are overseen and approved by the National Credit Regulator (NCA).

Personal Long Term Loans can be useful for a range of reasons, which vary based on your specific needs and lifestyle. You might want to buy a new computer, renovate your home or travel overseas, or you may have urgent expenses that need to be seen to. The lending period for Long Term Loans are more than 6 months, and the longer your repayments terms are stretched out for, the less you will need to repay towards what you owe each month. You need to a be a South African Citizen, earn a stable salary of more than R3 000 a month and have been employed at your current job for more than 6 months in order to qualify for a loan with us – we outline all of the minimum requirements for a loan with us clearly, on our EZI Finance website.

Generally speaking, Long Term Loans tend to have lower interest rates, making them more affordable than most short term loan options. It is your responsibility to ensure that your current budget can afford a loan repayment, and you will need to honour the repayment terms agreed to. We will run the necessary credit checks and assessments of your finances, before allowing you to obtain credit. As a consumer, we urge you to consider what you can reasonably afford, so that you avoid potentially landing yourself in too much debt. We will be happy to discuss your finances with you and work out a loan plan that suits your pocket and your needs.

Apply for a Long Term Loan by Completing the form below: