All loans are subject to affordability assessment, verification of employment, and submission of required documents.
KS85 Cash Loans reserves the right to approve, partially approve, or decline any application.

Clients must provide:
Valid SA ID or Passport
Latest payslip
3 months bank statement showing salary
Registered cellphone number linked to their bank account for mandate authentication

Loan amounts range from R500 to R3000 (or as communicated for special cases).
The client will be informed of the total repayable amount before signing.
All fees, interest, and charges are included in the final repayable amount.

Initiation Fee: 15%
Service Fee: R2 per day
Collection Fee: 12.5%
Default Fee: 12.5%
Interest Rate: 3%

The client must authenticate the debit order mandate using their bank‑linked cellphone number.
No payout will be made until the mandate is authenticated.
The debit order will run on the client’s confirmed payday.

KS85 Cash Loans is an SMME, not a commercial bank — clients are expected to honour their repayment agreement without fail.
The full amount must be repaid on or before the agreed date.
Failure to pay on time may result in: Additional charges
Suspension from future loans
Listing with credit bureaus (if applicable)
Recovery action

The client agrees to: Provide truthful and accurate information
Ensure funds are available on the agreed debit date
Inform KS85 Cash Loans immediately if:
Employment changes
Bank account changes
Salary date changes

If the debit order fails:
The client must make immediate alternative payment
KS85 Cash Loans may attempt to collect again
Repeated failure may lead to legal or recovery action

Once the loan is paid out, no refunds or cancellations are allowed.

All client information is kept confidential and used only for loan processing, verification, and collections.
KS85 Cash Loans may share information with employers, banks, or verification partners when required.

KS85 Cash Loans may update these Terms & Conditions at any time. Clients will be notified of any changes.

By signing the loan agreement and authenticating the debit order mandate, the client confirms that they understand and accept these Terms & Conditions.