How can we help?
Can I apply for a Loan if the Bank Account is not in my name?
What if I have recently changed bank accounts?
If you have recently changed bank accounts and you don’t have three (3) months proof of income in the current bank statement, please upload your previous banks’ latest statements or any additional documents so we can review your application on our website.
What is Account Holder Verification?
This is simply a process to verify that your personal details match your bank details. It’s part of our anti-fraud and risk strategy. If we are not able to verify your account, we cannot proceed with your loan – we would hate to pay your cash into an account that is in fact not yours. We automatically verify your account as part of the application process. If you do not bank with one of the so-called big ‘five banks’ (ABSA, Capitec, FNB, Nedbank, Standard Bank) we are unable to conduct this verification automatically.
What if I have a complaint?
We want to put a smile on your face every time you use our service. So if you have recently received a loan from us and aren’t happy with our service, please tell us.
We hope it never comes to this, but if you still feel unhappy after discussing the matter with us, you can make a formal complaint in writing to firstname.lastname@example.org. We will normally respond to your complaint – and endeavor to resolve it – within 48 working hours. If your complaint is particularly complex, however, it may take longer to investigate. In these cases, we will always explain why there is a delay and tell you when we will contact you again. If you are not satisfied with our response you can appeal the decision by writing to us again, stating your objections and providing any new information to be considered.
Finally, we are registered with the National Credit Regulator, so you can register a complaint via them if you have already contacted us and feel we have not responded to your concerns or resolved the matter fairly.
How does public holidays and weekends affects the service?
They don’t affect the service at all in most cases! Loan payments are normally made within minutes of approval. However, some of the banks still prefer to work 9-5 and they may not have implemented systems to allow fast cash transfers. If this is the case and your application is approved during a weekend or public holiday, we’ll get the cash to your account as soon as possible on the next business day.
What happens if I struggle to repay my loan – can I extend?
We understand that unexpected stuff happens in life – that’s why we’re here in the first place! But we require full repayment on the date you chose when you applied. That way we won’t keep rolling your balance endlessly from month to month, which can sometimes happen with payday loans, credit cards and overdrafts.
We aren’t able to extend the loan term for you. You’ll need to get in touch with us, sooner rather than later so we may guide you through the process.
Remember that not being able to repay on your promised date will mean you will incur late fees.
How do I repay my loan?
By ensuring the required cash is available in your bank account in time for the committed repayment date. The total due will be deducted from your account automatically. You’ll then be welcome to apply again whenever you need our services. Please note that if the funds aren’t available and your bank refuses our debit order, you will incur a penalty fee from your bank.
If you ever want to repay a loan early, you’re welcome to do so! You can repay a loan at any time, simply by calling our friendly customer care team. For security purposes, you should never send your bank account details via email or Live Chat. You can also add or update your personal and account details in the secure My Account section of the website or call us for assistance.
How long will it take to get my loan?
Not long at all! We make payment as soon as possible after an application has been approved. We’ll email you when the cash has left our account. The only time when this might not be the case is if you are with one of the smaller banks that haven’t yet implemented systems to enable fast cash transfers around the clock. If this is the case and your application is not approved until after 3 pm, or on a weekend or public holiday, you’ll more than likely get the funds the following business day.
Please also bear in mind that the banks can’t always keep up with us and the funds may take longer to show on your balance, depending on which bank you are with. If in doubt, contact your bank to check if you’ve received the cash, as new deposits often take longer to show on the ATM network or via online banking for example.
What if I am already in debt?
Your current credit commitments will be taken into consideration when our automated system makes a decision and we only lend to people whom we believe can afford the service. But if you know you’re already experiencing problems meeting existing financial commitments, please don’t apply in the first place. Our loan will only add to your commitments and it will need repaying within a month. Instead, we recommend you talk to a debt counselor in your area. For a list of all registered debt, counselors go to the
National Credit Regulator or you can call 0860 627 627 for information on how to find one in your area.
Is Westside Cash Connection right for me?
All kinds of people use Westside Cash Connection for all kinds of needs, but you should always ask yourself whether you can possibly wait for the cash. If there’s a chance you can, then Westside Cash Connection might not be right for you. There are also cheaper ways to access credit, but none as fast, convenient and flexible as Westside Cash Connection. We’re here to help you manage your cash flow when you can’t wait for some money that you know is coming your way soon.
We offer a solution for occasional, urgent and short-term cash needs and our loans are not designed as a continual source of credit or for dealing with existing financial problems. If you’re worried that you’re sinking into a bad debt situation, please don’t apply. Our loan will only add to your existing commitments because it needs to be paid back within a month. Instead, you should visit the National Credit Regulator for a list of all debt counselors registered by the NCR; alternatively, you can call us.
Is Westside Cash Connection a member of any financial bodies?
Micro Finance South Africa (MFSA). We are also registered as a credit provider with the National Credit Regulator (NCR). Our customer service representatives are all registered with the Council for Debt Collectors.
Do I need to give a reason for my application?
Nope, not at all. We aren’t your bank manager or your mom! The only reason we might ask what you need the money for would be for research purposes and any information given in those cases would be received in the strictest confidence. You can use a Westside Cash Connection loan for anything (as long as it’s legal!). We just ask that you only borrow what you can comfortably afford to repay on your chosen date. As with any form of credit, it’s always worth asking yourself if you really need to borrow the cash before applying but, if the answer’s a definite yes, then we’re here to help.
Do I need a bank account?
Yes, an active bank account is required. We are only able to send cash to ABSA, Capitec, FNB, Nedbank and Standard Bank.
Can I get a loan if I am not a homeowner?
Yes, we welcome renters too.
Do I need to be employed?
You need to have a regular income because we only want to lend you cash if you can afford to pay it back quickly and comfortably. But you don’t have to be chained to an office desk – we’re happy to lend to freelancers and consultants too.
What personal information does Westside Cash Connection need?
We need to know personal details like your name, address, phone numbers and 3 months proof of your most recent income. Plus your bank account details. We need this info so we can be sure who’s applying, to check if Westside Cash Connection is a suitable solution for you and as part of our payment and collections process.
To give yourself the best chance of approval, you should always ensure the information you give us is accurate and honest.
What if I have bad Credit?
Westside Cash Connection uses a sophisticated credit check as part of our decision-making process, so if you’ve got a very poor credit record it may affect our decision. But it doesn’t automatically rule you out and we also place emphasis on lots of other factors as well as honesty and trust. You should, therefore, ensure you give us as much personal information as possible during your application – and that it’s accurate.
Please note that our service isn’t designed to help you repay or manage existing debt, so please don’t apply for a loan unless you’re sure you will be able to comfortably repay it on your chosen date.
Does Westside Cash Connection require a Credit Check?
Yes, we carry out a credit check as part of our automated decision-making process. We have one of the most advanced references checking systems in SA because we’re only interested in lending to people who we believe can afford to repay us without undue financial stress.
We sometimes find first-time applicants suffer from anxiety about their credit history when they actually have nothing to fear! Remember our policies are very different to those of other lenders and banks, who are looking to predict your financial reliability over several years. So don’t get hung up about your credit score – it could be one of the deciding factors in our decision, but we also place emphasis on honesty and trust.
What do I need to get a Westside Cash Connection Loan?
You need to be over 18, living in South Africa and have an active SA bank account, plus your own email address and cell phone. You also need to be able to repay us on the date you promise to, so please don’t use Westside Cash Connection if you have any concerns about your ability to do that. Finally, we include a credit check as part of our sophisticated instant decision system, as we’re only interested in lending to people whom we believe can repay a cash loan without undue financial stress.
What is Debt Review or Administration?
The NCA brought about remedies for consumers who are experiencing stressful financial times. Consumers who are over-indebted can approach a debt counselor and apply for debt review.
This effectively means that your debt obligations under credit agreements are managed and administered by the debt counselor who negotiates with your creditors on your behalf and makes monthly distributions to your creditors to ensure that they do not start suing you for the debt you owe.