Terms and Conditions

Last Updated: November 30, 2025

1. Introduction

Welcome to eKasi Loans ("we," "us," or "our"). These Terms and Conditions ("Terms") govern your use of our website and loan services. By accessing or using our services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our services.

2. Definitions

3. Eligibility

To be eligible for our services, you must:

4. Loan Application and Approval

4.1. Application Process: You may apply for a loan through our website by completing the application form and providing all required documentation.

4.2. Credit Assessment: We reserve the right to conduct credit checks and affordability assessments. Approval is not guaranteed and is subject to our lending criteria.

4.3. Identity Verification: You may be required to complete facial recognition verification and provide supporting documents to verify your identity.

4.4. Loan Agreement: If approved, you will receive a loan agreement detailing the terms, interest rates, fees, and repayment schedule. You must review and accept this agreement electronically before funds are disbursed.

5. Loan Terms and Conditions

5.1. Interest Rates and Fees: All applicable interest rates, initiation fees, service fees, and other charges will be clearly disclosed in your loan agreement and comply with the National Credit Act.

5.2. Repayment: You agree to repay the loan according to the schedule outlined in your loan agreement. Payments will be collected via debit order on the agreed dates.

5.3. Early Repayment: You may repay your loan early without penalty, subject to our early settlement policies.

5.4. Late Payments: Failure to make timely payments may result in late fees, negative credit reporting, and legal action. We may also cancel your loan facility.

6. Secured Loans and Collateral

6.1. Collateral Requirements: For secured loans, you must provide acceptable collateral such as electronics, vehicles, or other valuable items.

6.2. Ownership Verification: You warrant that you are the legal owner of any collateral provided and that it is free from any liens or encumbrances.

6.3. Storage and Insurance: Collateral may be subject to storage fees and insurance requirements as outlined in your loan agreement.

6.4. Default: In the event of default, we reserve the right to take possession of and sell the collateral to recover outstanding amounts.

7. User Responsibilities

8. Privacy and Data Protection

8.1. We collect and process your personal information in accordance with the Protection of Personal Information Act (POPIA) and our Privacy Policy.

8.2. By using our services, you consent to the collection, use, and disclosure of your information as described in our Privacy Policy.

8.3. We may use facial recognition technology for identity verification purposes. Your biometric data will be processed securely and in compliance with applicable laws.

9. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of eKasi Loans and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

10. Prohibited Activities

You agree not to:

11. Limitation of Liability

11.1. To the maximum extent permitted by law, eKasi Loans shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the Service.

11.2. We do not guarantee uninterrupted or error-free operation of the Service and are not liable for any technical failures or service interruptions.

12. Indemnification

You agree to indemnify and hold harmless eKasi Loans, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of your use of the Service or violation of these Terms.

13. Dispute Resolution

13.1. Complaints: If you have any complaints, please contact our customer support team first.

13.2. Governing Law: These Terms are governed by the laws of South Africa.

13.3. Jurisdiction: Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of South Africa.

14. Termination

We reserve the right to suspend or terminate your access to the Service at any time, with or without notice, for any reason, including violation of these Terms. Upon termination, all outstanding loan obligations remain due and payable.

15. Changes to Terms

We may update these Terms from time to time. The updated Terms will be posted on our website with a new "Last Updated" date. Your continued use of the Service after such changes constitutes your acceptance of the new Terms.

16. National Credit Act Compliance

eKasi Loans is a registered credit provider and complies with the National Credit Act 34 of 2005. All loan agreements are subject to the protections and requirements of this Act.

17. Contact Information

If you have any questions about these Terms, please contact us:

By using eKasi Loans services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.