Terms & Conditions

Last updated: January 2025

1. About These Terms

These Terms & Conditions ("Terms") govern your access to and use of the Pfukani Cash Loans website at pfukani.co.za (the "Site"). By using the Site or contacting us through it, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

2. Registered Credit Provider

Pfukani Cash Loans ("Pfukani", "we", "us", "our") is a credit provider registered with the National Credit Regulator (NCR) under registration number NCRCP17495, and operates in accordance with the National Credit Act 34 of 2005 ("NCA").

3. Website Purpose

The Site is provided for informational purposes only. Nothing on the Site constitutes an offer, invitation, or commitment to provide credit. Any loan is subject to a separate written credit agreement entered into after a full affordability assessment in terms of the NCA.

4. Eligibility

To enquire about or receive credit from Pfukani, you must:

• Be at least 18 years of age;
• Be a South African citizen or permanent resident with a valid SA ID;
• Have a regular, verifiable source of income;
• Provide 6 months of official bank statements and a latest payslip;
• Not be under debt review, administration, sequestration, or legal disability that would prevent lawful borrowing.

5. No Guarantee of Approval

Submitting an enquiry does not constitute an application and does not guarantee approval. All applications are subject to mandatory credit checks, identity verification, and affordability assessments. Pfukani reserves the right to decline any application at its sole discretion, without obligation to provide reasons beyond those required by law.

6. Loan Amounts, Terms and Interest

Pfukani offers short-term loans between R200 and R10,000, repayable over 1, 2, or 3 months. Interest and fees are capped in accordance with the NCA and are disclosed in a written quotation before any agreement is signed. No interest, fee, or charge will be imposed that is not permitted by the NCA.

7. Repayment Obligations

You agree to repay the loan, interest, and any lawful fees in accordance with the repayment schedule set out in your credit agreement. Repayments are collected via debit order from the bank account nominated by you. It is your responsibility to ensure sufficient funds are available on the agreed debit date and to notify us promptly of any change to your banking details.

8. Early Settlement

You may settle your loan in full or in part at any time before the agreed term. Early settlement amounts will be calculated in accordance with section 125 of the NCA, and any interest or fees not yet accrued will not be charged.

9. Default and Consequences

If you fail to make a payment on the due date, Pfukani may, in accordance with the NCA:

• Charge default interest and lawful collection costs;
• Report the default to registered credit bureaux;
• Hand the matter over to a registered debt collector or attorney;
• Take such other steps as are permitted by law.

We will always attempt to contact you to arrange a workable solution before pursuing enforcement action.

10. Documents, Data and POPIA

The Site does not collect, store, or process your ID, payslips, or bank statements through any web form. Any personal information you share with us via WhatsApp, email, or in person is processed in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA) and our Privacy Policy. We use this information solely to respond to your enquiry, assess affordability, and administer any credit agreement.

11. Communication Consent

By contacting us via WhatsApp, email, phone, or SMS, you consent to being contacted through those channels in relation to your enquiry, application, or credit agreement. You may withdraw this consent at any time, subject to our legal record-keeping obligations.

12. Acceptable Use

You agree not to:

• Use the Site for any unlawful, fraudulent, or misleading purpose;
• Submit false, forged, or altered documents or information;
• Attempt to gain unauthorised access to the Site, servers, or databases;
• Introduce viruses, malware, or any code designed to disrupt or damage the Site;
• Copy, scrape, or republish content from the Site without written permission;
• Impersonate any person or entity, or misrepresent your affiliation.

We reserve the right to block access and to report suspected fraud or criminal conduct to the relevant authorities.

13. Intellectual Property

All content on the Site including text, graphics, logos, images, and layout - is the property of Pfukani Cash Loans or its licensors and is protected by South African and international copyright and trademark law. You may not reproduce, distribute, or create derivative works from this content without our prior written consent.

14. Third-Party Links

The Site may contain links to third-party websites (for example, the National Credit Regulator or debt counselling resources). We do not control and are not responsible for the content, security, or practices of those sites. Links are provided for convenience only and do not imply endorsement.

15. Accuracy of Information

While we take care to keep the Site accurate and up to date, information is provided "as is". Product details, rates, and eligibility criteria may change without notice. Always rely on the written quotation and signed credit agreement rather than the Site for the terms of any specific loan.

16. Limitation of Liability

To the maximum extent permitted by law, Pfukani Cash Loans shall not be liable for any direct, indirect, incidental, or consequential loss arising from your use of, or inability to use, the Site including loss of data, profits, or business opportunity. Nothing in these Terms excludes liability that cannot lawfully be excluded, including liability under the NCA or the Consumer Protection Act 68 of 2008.

17. Complaints and Dispute Resolution

If you have a complaint about our service or a credit agreement, please contact us in the first instance at info@pfukanicashloans.co.za or 063 036 0726. We will acknowledge your complaint within 5 business days and aim to resolve it within 20 business days. If you remain dissatisfied, you may refer the matter to the National Credit Regulator (NCR) or the National Consumer Tribunal, or approach a registered credit ombudsman in accordance with the NCA.

18. Changes to These Terms

We may update these Terms from time to time. The current version will always be published on this page with a "Last updated" date. Continued use of the Site after any update constitutes acceptance of the revised Terms.

19. Contact

For any questions about these Terms, reach us through any of the channels below.