What’s Atlas Loan Online Application process? Affordability

Every decision making as regards the client affordability will be taken seriously by Atlas. This means, they can answer you only if they go over your current financial status. They will ask you about your existing salary and monthly expenses to analyse if you can pay for both loans consequently. The good news is that you’re just two weeks ago to finish your current loan so, that should give you an advantage. Besides, if Atlas reject you due to your present loan, you just have to wait a couple of weeks.

What Atlas can offer you is a short term loan. For such product, you can get only 8000 rands or less but, you will pay for it in just few months. In case you are looking for a personal loan with a higher quote you will have to turn to another bank. Another option is to take a short term loan and, if you need more money in the future, try to take another short term loan.

Atlas Finance is a fine option to solve that problem. By applying with them, you can get the funds you need to have your car fixed and repaying it in just 6 instalments, or even less. All Atlas needs is to have your financial information along with some personal details to corroborate your current economic status is good enough to make your payments on time.

Yes. You don’t need to worry about that because Atlas will take care of getting your credit history before deciding to approve your loan request. What is more, that is the principal piece of information they use to determine the loan terms for the applicant as, that record clearly shows how the applicant has behaved in previous financial duties.

No, Atlas grants loans to take care of simpler issues like, for instance, a medical bill you didn’t expect to have. There’s no way you use an Atlas loan to pay for such purchase as, these short term loans are only given for a maximum amount of 8 thousands rands. If you need to buy a building for business purposes, you may find what you need at Nedbank’s business loans. Or, for home loans, Standard Bank can provide you with different types of loans to buy, build, remodel buildings and more.

Firstly, please be completely sure to be in a good financial status to cancel your debts. Only if you’re sure about this, you may give it a shot at Atlas to get more money. If they reject this new loan request, you can go for a pay day loan with another company. One of these loans’ characteristic is that you receive the money the same day you apply and you can cancel that liability in just few days.

Unfortunately, Atlas maximum repayment term is just 6 months so, you won’t get a year loan term at this company. However, you can study all your options to make up your mind. On one side, analyze if repaying the loan in 6 months is a viable alternative for you. On the other hand, there are other entities that expand their loan terms to 12 months. Capitect, Capfin, African Bank are just some of your alternatives.

Atlas Finance will not give you R150000 as, their only loan product available is a short term loan issued for a top sum of money of 8000 rands. If we focus on the number of instalments, they can reach up to just 6 months. Clearly, we can see this is company doesn’t have what you need.

As getting a loan is a big financial responsibility, the bank pays special attention to the borrower income and personal information. Any bank will look for corroborating your identity, address and, income. So, as long as that information is correct and, you make more profit that what you spend on monthly basis, you can apply for a loan.

Credit checks are carried out by banks to get to know their applicants level of commitment and responsibility when it comes to pay for debts, whether they relate to loans, credit cards or bills, for example. That is why they take that piece of information to state the loan amount you can borrow from them. This is the chief reason why any citizen should take their payments seriously if they intend to get favourable loan terms.

It’s impossible to answer that question without further information. All the same, we can tell what pieces of information you need to submit on the application form as, based on that application, you’ll get the official approval or non-approval of the loan. For example, not only your income but also your expenses, will have an effect on your loan quote. Besides, the expenses dive into living, general and debt as, they take into consideration the priorities of the money you spend.

We can tell you that you are on your way to get your loan with Atlas if you gather the characteristics we’ve stated. Apart from submitting payslips, ID or passport and bank statements, if you don’t have arrears, for instance, you have more chances. Without a doubt, if you’ve always paid your instalments properly and, you have a steady income, you qualify for a loan.

Hello, your salary is enough for a basic loan, however most companies ask for a psylip of the company you work for. But, there are loans for self-employed which can be useful for your personal case. You can phone the following company which takes self-employed clients, which is Norton Finance: 0808 231 8471

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It is compulsory for clients to have a perfect credit record in order to apply for a loan, however there is a company dedicated to the granting of loans to blacklisted people. I suggest you to contact them by phone on this phone number which is a free one:21 202 8813

Saddly, Atlas finance’s loans do not reach an amount as high as R 50.000. As Atlas short terms only are as long as 6 months, asking such amount would be difficult to give back on such short period. In this matter, there is no difference whether you are an Atlas’s client or not.

Unfortunately, it doesn’t work that way. Once the funds were transferred to your bank account, the money it’s your whether you use it or not. What Is more, the process has gone too long, applicants are not allowed to cancel the loan in the middle of it. Once the loan request was approved and confirmed, you have only few days to decline the loan.

No, in this case Atlas can’t help you. This financial agency works with personal loans payable in 6 instalments top. Clearly, Atlas would be among your options if you need a little money to get out of a difficult and unforeseen situation. To consolidate your loans, you can try with Absa which has this product available.

Atlas allows clients to obtain a top up loan during the repayment of the loan. However, you must have paid at least the first 3 installments of the loan. Usually top up loans consist of no more than R 1000.

You can apply for a loan of up to R8,000, and repay it from 1 to 6 months.

It’s mandatory to present valid South African documents if you want to get the chance to receive economic help form Atlas. As regards proving your nationality, they ask for Identity Document or Passport but, for either document is absolutely necessary they are issued by the Government of South Africa. If you are form another country, you may have a possibility if the government granted you with the permanent residence.

Greetings! Atlas finance in known for issuing personal loans with really short payment periods, and that’s why it’s a micro-finance firm. You can cancel the loan in just 6 months or less and, besides, there are several benefits for you and your family. One of the main characteristics they take proud of is their 180 branches along the country. So, anyone who wants to have a personalized assistance, can easily find an Atlas office.

Yes, if you need more money, they will help you with extra cash. Once you have paid 3 instalments on your current loan, they will top up your loan for you.

To have a steady job does for sure, give you high chances of getting the loan you need. But, bear in mind, Atlas has a maximum of 6 months to cancel the loan. So, put emphasis on analysing if you can give back that sum of money on just 6 months in order to not find complications in a future.

If you do not possess a payslip, but you have a proof of the money you ear every month, you can resort to companies that grant loans for self-employed people. For instance, you can contact Self Employed Loans by phone if you dial up 021 858 1788 and you can also send an email from your computer to this address:queries@osfs.co.za.

There are few branches of Atlas Finance and, in general, they work on weekdays. They open at 9 am and close at 5 pm. All the same, if you need assistance outside this schedule, there are other alternatives to contact them by phone or email. As regards emails, you have different addresses for clients with current loans and, clients who need to get some information.

As any loan issued is confirmed after a cautious evaluation on the finances of the person asking for the loan, first of all, you have to show you’re responsible with your payments by having paid your instalments before due date. If you had any delay on any of the instalments, they will probably not be sure about you getting a 2nd loan while cancelling the first one.

Generally speaking, any bank or lending entity needs to have no doubts as regards how much money the client receives per month. In order to be sure about this, it is normal that clients are compelled to upload a minimum of three months payments, that is to say, three payslips. This is just to verify the borrower’s regularity on their income.

We can help you with that! You can read some articles from our platform to find out about some companies and the loan products they offer. In that way, you’ll find it easy to find the bank for you. Also, you can use our loan simulator. This tool only needs the sum of money and the number of instalments to show you different banks with the rates they charged and some information about each of them. That way, you’ll know which company offers the cheapest loan.

As we have said, Atlas has few and basic requirements for applicants to get the chance of applying for one of their loans. This entity asks the applicants to submit documents to support those requirements and, these documents are also very simple to get. I’m referring to your ID to prove your identity, your payslips reflecting how much money you’re paid for your job and bank statements showing your bank movements. Having these documents will make you really easy to get the loan.

Having that amount as salary every month gives you high chances on your loan. Nonetheless, there are other features Atlas studies about the applicant to decide if she or he qualifies for a loan. What you should know is that these credits are granted to be paid in just few months so, the quote won’t be very high.

You can get a loan confirmation by Atlas if, besides your child grant, you can confirm you have an established job for which you are paid month by month. It’s important you keep in mind that there are some information you are going to be asked about your employer. So, this factor is also crucial to be approved by Atlas.

Atlas Finance is clear when it comes to what they think their applicants must comply with. These applicants, with no exception, have to be capable of proving personal and income information. This is the most important reason why they ask their clients to present bank statements along with payslips, because they need to revise the applicant’s incomes and expenses before accepting to grant the loan.

There’s unlikely a bank accepts your loan request having working for such short time. Remember, before granting any loan, the company collects enough information to verify the possible borrower has sufficient and stable income to pay for the loan within its interest and fees. The problem is that working for just a month does not show stability. So, you will have to wait until you reach a minimum of three months in your current job.

At Atlas you can apply for a loan and cancel it whenever you want and you can pay up front if your financial status allows you to

A Confirmation Letter can help you in some cases but, it may not be enough to certify you have a steady income of a certain amount. Try, by any means, to get payslips for your job, as well as bank statements to submit Atlas and, to go smoothly on your credit application.

A bank statements is a record of the movements that occurs in a bank account. That means that every bank account has bank statements. In that record, Atlas can verifies how much money enters in your account and, how much money do you withdrawal from it. With this information, the company can decide easily if the client can have access to a loan.

As we have said, Atlas has few and basic requirements for applicants to get the chance of applying for one of their loans. They ask the applicants to submit documents to support those requirements and, these documents are also very simple to get. I’m referring to your ID to prove your identity, your payslips reflecting how much money you’re paid for your job and bank statements showing your bank movements. Having all this in mind, you can go after your loan.

Yes, Atlas provides online loans with super easy access to them. The client just needs to submit some information on the loan request form and that will be enough for Atlas to study their loan demand. In the form you need to complete, you’ll be requested to submit information about the loan, your employment, your expense, and some details about your personal information.

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If you have completely paid for the first loan you took, you can apply again. Sometimes, based on if you paid your instalments on time or not, the bank may tell you to let some months or even years pass before asking for another loan. If you are still paying for that past loan, try to pay it first and avoid getting in debt.

Even though companies have stated possible rates to charge, what each client pays is set having their particular financial situation into account. Besides, the cost of the loan is also affected by the terms of it. For example, it’s not the same to repay it over 3 months than to repay it over 6 months or a year. Another detail is the applicant’s credit score. In general, those clients that have excellent score get better rates and terms as a way to reinforce good behaviour payments.

The principal criteria to have in mind are to be from South Africa, which includes living and working here, receiving a regular source of income and, having payslips and bank statements that show such income. Apart from that, the applicant needs to have an acceptable credit score. Moreover, this last factor will be crucial to state the loan amount Atlas will be willing to give you.

Yes, you can keep asking for loans at Atlas after repaying the first one. Furthermore, this last loan surely improved your credit history allowing you to get more money in the following loan you ask, especially if you paid all the instalments on time. So, if this was your case, you can ask Atlas what’s the quote you can request and, see if that offer suits you.

One of Atla’s principal requirement is to submit pays lips proving not only that you have certain income, but also that you get that income on regular basis. So, even though you receive monthly income and, you can use your statements form your bank account to prove it, Atlas still need more documents to process your loan request.

It is normal lending companies ask their applicants to be working for at least three months before applying for the loan so, clearly, you have that requirements covered. As regards your salary, Atlas needs to have more information to know if you can receive a loan. When you fill the application form, you need to clarify how much of that income you spend monthly. Only then, can Atlas have an official answer about your qualification.

The terms Atlas offers does not reach such period of time. With this company, you’ll only get short term loans. This means, the maximum period you have to pay for the costs of the loan is 6 months. Besides, it’s necessary to know how much money you need in order to calculate the monthly payments. Some alternatives for you are Sanlam, ABSA, African Bank or, BetterBond for home loans

You need your ID number, latest 3 month bank statements, latest payslip and debit card.

As these are short term loans and you have only one month left to cancel the entire loan, your best option would probably be to wait few months. If this is a possibility for you, try to wait until you cancel the following instalments, which, as you’ve said, is the last one. The main reason is that, as the credit amount you qualify for depends on your credit score, if you have your loan cancelled when applying again, you will have chances to get better rates and terms.

You can request a loan from Atlas in South Africa either online or by calling to their offices. This company has over 180 branches around the country and is a member of the National Credit Regulator. This means that you can find their loans all over South Africa and that it is a company you can trust.

If you want a company, in this case Atlas Finance, to upgrade your credit score, it is possible, but there are certain factors that need to be taken into account. You need to be consistent in paying your monthly installments not just for two months, but for the whole period that it lasts. Keep on making your payments on time.

Since you are already a client, you might be given access to a bridging loan. It can only be accessed online because of COVID-19.The only way to know the exact amount you will get for the loan in Atlas is by applying online and forwarding all your personal details first. The company will need your personal and employer details, etc.

If you need to top up your existing loan with Atlas Loans, you will need to contact them. During the Coronavirus lockdown, Atlas Loans offer different channels for their clients to get in contact with them. You can contact them through SMS, WhatsApp or by calling the branch where you requested the loan.

Yes, Atlas Finance is operating during stage 4 lockdown and has adapted their processes in order to help clients with loans. Existing clients can get bridging loans. Atlas is providing assistance to clients over the phone. The company has one hundred and eighty branches nationwide, but they remain close now because of the pandemic.

The amount you will have to pay every month for a loan of R120,000 at Atlas will be based on two main items: the interest rate Atlas decides to set on your loan (after studying your affordability and credit history) and the time period in which you want to repay the loan.

The amount of money you can request at Atlas Finance for a loan in South Africa will depend on how much money you earn each month as a grantee. Bear in mind that the credit institution needs to be sure that you will be able to pay off your loan.

First of all, it is important to clarify that applying for a loan is a great financial responsibility. So, customers have to make sure they will be able to deal with their monthly payments. Atlas Bank, as many others bank do, will check on their clients' credit history, identity, address and income. 

In general, if you already have an existing loan with Atlas Finance and you wish to apply for another one, the advice is that you should cancel the current loan completely. Once you have done so and you have enough affordability capacity, you can apply for a new loan with the company. 

In order to know if you qualify for a personal loan with Atlas, it is crucial to have a high credit score and also to comply with all the requirements. For example, you will need to fill in an online application form with all your personal details, upload proof of ID, payslip and your bank statement, and finally, you will need to wait for approval. 

If you think you are owing money to Atlas Finance, the recommendation is to speak with the well-trained advisors of the company. They will ask you for all your personal information, and it is for sure that they will help you find out if there is something that needs to be paid back.

One of the requirements to apply for a personal loan with Atlas Bank is to provide a valid ID card. If it happens that you do not have an original ID, you can show a temporary one as long as it is valid and legal; otherwise, you will not be able to borrow money. 

It is unlikely that the financial institution ATLAS would ask you for your remote PIN and also request to switch on your internet banking settings.  The recommendation is to contact the customer service department by phone or email to inform about this situation. Usually, a legal financial company will not require clients to give sensitive details. 

If you already are a customer of the private financial company ATLAS, then the suggestion is to directly communicate with the entity, as they may offer you several alternatives or options as regards loan applications. This will be based according to your profile, financial situation and credit history. Also, you will be able to find out about supporting documentation. 

If you need a loan urgently with the private company Atlas Finance, but you do not have a good credit score, then you may not be able to borrow the money you need. This is so because it is important to meet all the qualification criteria, including having a good credit score and enough affordability capacity.