Team collaborating on laptop in office, displayed on tablet

LOAN

MANAGEMENT

SOFTWARE

ABOUT ACPAS

ACPAS provides Credit Providers with customized online-lending solutions!

Our Theme Studio websites are developed specifically for you, fully customizable and fully integrated with ACPAS, our all-inclusive Loan Management System. A Theme Studio website comes with the complete integrated solution and handles the entire loan cycle from loan application, credit vetting, loan management and repayment - All in one solution.

ACPAS is also the perfect tool for any branch based loan business or for branches that want their clients to have online access to their products and services.

Our software is web-based and Credit providers can control their businesses from anywhere at any time. You are now in control of the entire loan cycle in one solution, giving you the freedom to control your business and risk appetite, within business-driven adjustable parameters from anywhere!

APPLY NOW

HOW TO APPLY

STEP 1

Use our Loan Calculator to get a loan estimate.

STEP 2

Enter the text fields on the form and click "Calculate Instalment"

STEP 3

View loan estimation results.

STEP 4

Click “Apply for This Loan” or “Call Me Back” button.

STEP 5

Wait for one of our friendly consultants to give you a call!

APPLY FOR A LOAN

What you'll need:

...

South African ID number

...

Mobile Number

...

Your Latest Pay Slip

...

3 Month's Bank Statements

Finance Your Future with ACPAS

Loan Amount:

Loan Term:

How much do you need?

When is your next payday?

1st Installment

Fees

Interest

GOT QUESTIONS?

Find answers to questions we always receive.
If your query is not there, send us a message!

We’re here to help.

1. What types of loans do you offer?

We offer a variety of loan options to suit your needs, including:

Personal Loans
Student Loans
Vehicle (Car) Loans
Business Loans

Understanding these options can help you choose the right solution based on your financial goals.

2. What are the eligibility requirements for a loan?

To apply for a loan, you’ll need to meet the following criteria:

Proof of a stable income
A valid form of identification
A satisfactory credit score
Be 18 years or older

Additional documentation may be required based on the type of loan you're applying for.

3. What is the interest rate and repayment term?

Interest Rate:

5% for your first loan within a calendar year
3% for each additional loan taken in the same year

Repayment Terms:

Minimum: 1 month
Maximum: 36 months

We aim to offer flexible terms that suit your repayment ability.

two persons reading loan FAQs on a phone

4. How long does it take to get approved for a loan?

Loan applications are reviewed and processed within 24 hours(Monday to Friday). You'll receive a decision via your preferred contact method.

5. What happens if I miss a loan payment?

All repayments are collected via debit order. If your account has insufficient funds:

We will attempt the debit for up to 3 consecutive days
Your bank may charge fees for each failed debit
After 3 unsuccessful attempts, you have 24 hours to make the payment or contact us to arrange an alternative
If no payment is made and no arrangement is in place, your account will be marked in arrears
If your account remains in arrears for 3 months, legal action may be initiated unless a resolution is agreed upon

6. Can I settle my loan early?

Yes, you can repay your loan early at any time with no penalties. Early repayment can help reduce your total interest paid.

CONNECT WITH ACPAS

Full Name :

Phone Number:

Message:

Phone

012 665 0319

Website

www.acpas.co.za

E-Mail

sales@acpas.co.za

Address

92 Jean Avenue, Doringkloof, Centurion, 0157