Loan Assure Frequently Asked Questions

Start with a quick, free online enquiry — just a few basic details. A consultant then reviews your needs and explains suitable personal, business or debt consolidation loan options clearly. There’s no obligation to proceed until you’re happy with the terms. You can begin from our contact page, or read our full step-by-step guide on how to apply for a loan.

No. Enquiring and speaking with a Loan Assure consultant is completely free and carries no obligation. You only move forward if you’re happy with the terms explained to you.

Eligibility depends on factors such as being of legal age, your income, affordability and verification checks. Every application is assessed individually and responsibly, and we’ll tell you clearly what’s required for your situation.

Typically a valid ID or passport, recent proof of income (such as payslips or bank statements) and proof of address. Requirements vary by country and product — your consultant will confirm exactly what’s needed for your application.

Yes. Self-employed applicants are welcome. Instead of payslips, we usually review recent bank statements or financial records to assess affordability fairly.

An online enquiry takes just a few minutes. After that, timelines depend on verification and the information you provide — your consultant keeps you informed at each step.

We support responsible borrowing right across Canada, coast to coast, subject to eligibility requirements and provincial regulations.

Possibly. We assess each application on affordability and individual circumstances rather than a single number. We lend responsibly and never guarantee approval, but we’ll always explain your options honestly.

We offer personal loans, business loans, debt consolidation loans, short-term loans, emergency loans and instalment loans. Explore them all on our loan products page.

Indicative amounts range from around C$5,000 for personal loans up to C$500,000+ for business funding. Your actual limit is based on affordability, credit profile and verification. Use our loan calculator to model different amounts.

A personal loan can be used for planned or unexpected needs — home improvements, education, medical costs, a vehicle, or consolidating existing debt into one repayment.

Debt consolidation combines multiple debts into one loan with a single, predictable monthly repayment and a clear payoff date — often simplifying your finances and making budgeting easier. Learn more in our debt consolidation guide.

Yes. Business loans provide working capital and growth funding structured around your cash flow, with terms typically from 12 to 72 months. See the loan products page for details.

Terms typically range from 6 to 72 months depending on the product and amount. Use our loan calculator to see how different terms change your monthly repayment and total cost of credit.

Your repayment is based on the amount you borrow (the principal), the interest rate and the term, on an amortising basis. You can estimate it any time using our free loan calculator.

Loan Assure personal loans start from 7% per annum. Your confirmed rate depends on your profile, the product and applicable regulations, and your consultant explains it — along with the total cost of credit — before you commit to anything.

The total cost of credit is the full amount you repay — your principal plus all interest and any applicable fees. You’ll always see this clearly before you agree to anything.

In most cases, yes. Early-repayment terms depend on your specific agreement, which we set out clearly and transparently up front so there are no surprises.

Always. We believe in clear, honest terms — you’ll see your repayments, interest rate and total cost of credit before signing anything.

Any applicable fees are disclosed clearly and in full before you sign, as part of your total cost of credit. We don’t believe in hidden charges.

Repayments are typically made by scheduled monthly pre-authorized debit or transfer, as set out in your loan agreement. Your consultant will confirm the arrangement that applies in your country.

Contact us as early as possible — we’d always rather help you find a workable solution than let a payment fall behind. Missed payments can affect your credit profile, so early communication really matters.

Yes. Loan Assure (Pty) is a registered credit provider with the applicable lending regulations and is committed to responsible, transparent lending.

Yes. Your details are handled securely and used only to assess and support your enquiry, in line with applicable data-protection rules. See our privacy policy for more.

Responsible lending means only offering credit you can realistically afford to repay, based on genuine affordability and verification — protecting your financial wellbeing, not simply approving applications.

No responsible lender can guarantee approval. Every application is subject to affordability and verification checks — this protects you just as much as it protects us.

A consultant reviews your details, discusses suitable options, and — if you choose to proceed and are approved — helps arrange your funds promptly.

Call Canada on (+1) 844-895-4014 or South Africa on (+27) 070-604-1671, email info@loanassurepty.com, or send a message from our contact page.

Use our free loan calculator to estimate your monthly repayment, total interest and full cost of credit in three currencies (CAD, USD, ZAR) — instantly and with no sign-up.