What To Do When Your Loan Is Overdue

If your loan is overdue, act quickly: log in to check your balance, make a payment as soon as possible via EFT or your debit order, and contact us if you cannot pay in full. The sooner you respond, the more options we can offer and the less you'll pay in late fees.

What To Do When Your Loan Is Overdue

If you have missed your repayment date, it is important to act quickly. At eKasi Pay Credit, we understand that financial difficulties can happen to anyone.

Steps to take:

1. Check your balance — Log into your account. Your dashboard shows your current balance, due date, and payment reference.
2. Make a payment — Pay via EFT using your unique payment reference, or your debit order will attempt to collect automatically. The sooner you pay, the less you owe in late fees.
3. Contact us if you cannot pay in full — Email us at support@ekasipaycredit.co.za. We may be able to set up a payment plan with affordable monthly instalments.

What happens next?

If your loan remains unpaid beyond the tolerance period, a Section 129 default notice will be sent as required by the National Credit Act. This gives you 10 business days to resolve the arrears before further action.

Do not ignore the situation. The earlier you reach out, the more options we can offer you.

For related help, see How to Request a Payment Plan and Avoiding Late Payment Penalties, or visit our FAQs.