about company
Life Guard Loans
For Your Daily Expenses
Life Guard’s Personal Loans and debt consolidation solutions provide you with the money you need to keep things moving.
With Life Guard it only takes a few minutes to apply for flexible personal loans or to consolidate your existing debt.
Fast, Flexible Business Loans To Help You Grow.
Our Student Loan can be used for tuition fees, accommodation, and study material and devices.
Make the most of your budget when you combine your loans today. Mix ‘n match up to 5 loans into 1 easy-to-manage Consolidation Loan to the value of R800 000 and save cash with a lower repayment.
Get a property loan to improve your home. Purchase a property or make those quick touch-ups or give your home some serious TLC with a loan of up to R3 Million.
Get a Personal Loan from R10 000 up to R500 000 with interest from as low as 5.08%*, With an easy application process and Customer Protection Plan.
Our Student Loan can be used for tuition fees, accommodation, and study material and devices.
Our Student Loan can be used for tuition fees, accommodation, and study material and devices.
our features
Quick
Easy
Flexible
Interest from as low as 5.08%*
Apply online. It’s simple, paperless and convenient
Get a personal loan and make it possible: home DIY, education or emergency repairs
Customer Protection Plan for your peace of mind
Fast and convenient. Get a provisional answer in minutes
Low repayments, typically over 12 to 240 months
How Much Do You Need?
A smarter loan
Is a Life Guard Cash Loan
Right For You?
Our company provides short-term and long term loans as well as investment products to a diverse customer base, including individual consumers, commercial entities and corporate clients.
We are purpose-driven and measure our social dividends alongside our shareholder contributions. Since inception, ‘partnership’ has been at the heart of our business model, with the group today boasting over 100 ventures across the insurance value chain. Each one supports our purpose of enabling more people to create and secure a better future.
How does it Work
Complete a short application in under 5 minutes. Personal information that you submit on our site is genuinely 100% safe and secure under the POPIA Act. Getting approved is easy.
Our high-tech system pings your loan application to our panel in seconds. We review and score your application. You’ll instantly get a message to tell you if you’ve been approved.
If your loan is approved, we’ll pay the money directly into your account or ask you to send any documents that we might need.
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See How Much You
Qualify for Today!
A Quick Payment Transparent Process
Take only what you need, when you need it.
Applying is Quick and Simple
- Apply Safely and Securely Online.
- Your Application Instantly Reviewed By Our Team
- Accept/Decline Your Loan Offer
- Cash Paid in Your Account Today
24%
Our borrowers save compared to their credit card rates
We Allow Better Rates
Through Better Credit Information
Contact Info
Our customer service team are available weekdays 8am to 5:30pm
and weekends 8am to 4pm (SAST)
address
Stand No 10230 Muswodi Thohoyandou 0950
Working Hours
Weekdays: 8 AM – 5:30 PM
Weekends: 8 AM – 4 PM
Representative Example
If Lerato borrows R10 000.00 and selects a repayment term of 12 months.
At an annual interest rate of 15.28%, her monthly installment for the loan will be R903.43 and her total repayment amount will be R 10,841.19
Note: Our interest rate will never exceed the maximum as prescribed by the NCA of 29.25%. Fees are subject to change and will be affected by customer risk profile.
FRAUD ALERT
Report suspicious activity and fraud to: 0875101486 or send an email to reportfraud@lifeguardloans.co.za
Fraud and scams are on the increase, fraudsters are always trying to swindle you out of your hard-earned money by obtaining your personal information. Protect yourself and never share your personal details, banking details and ID number with anyone.
Life-Guard Financial Services is aware of ongoing scams misrepresenting the Life Guard Financial Services name to scam the public on Facebook and WhatsApp. Want to report suspicious activity? Send us an email at reportfraud@lifeguardloans.co.za or call us on 0875101486 to confirm that you are speaking to a Life Guard Financial Services employee.
Fraud Tips:
- If you want to verify that you are speaking to a Life Guard Financial Services employee, contact the Customer Care team on 0875101486
- Life Guard Financial Services will never ask you to share your bank card details and security code (CVV).
Non-payment
– Non-payment of your account will result in an R69 service fee and 5% interest added monthly. If you fail to pay for two months, your account will be handed over to an external debt collection company, resulting in additional costs for your account.
– Not repaying your loan on time will decrease your credit rating and might make it challenging to qualify for finance at other credit providers in the future.