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Blacklisting in South Africa
Blacklisting in South Africa affects your ability to access credit and secure loans. Many misunderstand its implications, assuming it is …
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Understanding the National Credit Act (NCA)
Understanding the National Credit Act (NCA) can seem complicated at first glance. Many believe it only governs banks, but it …
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What is a Credit Bureau in South Africa?
Many people misunderstand credit bureaus, believing they are banks or lenders. In South Africa, credit bureaus are independent organizations that …
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NCR & Registered Credit Providers
The NCR and registered credit providers ensure fair practices and transparency. Many borrowers misunderstand their functions and the protection they …
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Loan Repayment Strategies
Loan repayment strategies are often misunderstood, with many believing that simply making the minimum payment is enough. In truth, a …
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Avoiding Loan Scams and Predatory Lenders
Many loan seekers in South Africa are facing predatory lenders and scams. Misleading promises and hidden fees can quickly lead …
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What is interest?
Interest is the cost of borrowing money and a reward for saving. Understanding interest is key to managing your everyday …
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Refinancing a Loan
Refinancing a loan in South Africa offers significant opportunities to reduce interest costs and restructure payments for more manageable finances. …
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Co-Signing a Loan: Responsibilities and Risks
Co-signing a loan means you help someone secure finance, but many underestimate what it truly involves. In South Africa, you’re …
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Comparing Online vs. Traditional Loans
Online loans and traditional loans are two paths to funding that each have their own perks. Misunderstandings often occur about …