Terms and Conditions
1. Introduction
These Terms and Conditions ("Terms") govern your use of the TBA Cash Loans website and any online services offered through it, including loan applications and enquiries.
By accessing this website or submitting an application for credit, you acknowledge that you have read, understood and agree to be bound by these Terms.
If you do not agree to these Terms, you should not use this website.
2. Company Information
TBA Cash Loans is a registered South African credit provider.
NCR Registration Number: NCRCP23285
Registration Number: 2024/480878/07
Physical Address: Florida, Rooodepoort, Johannesburg
Telephone: 083 700 8211
Email: applications@tbacashloans.co.za
Website: https://tbacashloans.co.za
3. Eligibility
To apply for credit you must:
· be at least 18 years old;
· possess a valid South African ID or acceptable legal identification;
· have legal capacity to enter into a credit agreement;
· provide truthful and accurate information;
· satisfy our affordability and credit assessment requirements.
Submitting an application does not guarantee approval.
4. Online Credit Applications
Submitting an online application constitutes a request for TBA Cash Loans to assess your eligibility for credit.
Submission of an application does not:
· guarantee approval;
· create a credit agreement;
· obligate TBA Cash Loans to provide credit.
All applications are assessed in accordance with the National Credit Act and responsible lending principles. Affordability assessments, credit bureau enquiries and document verification may be conducted before any loan is approved.
5. Loan Approval
If your application is approved:
You will receive:
· a quotation;
· pre-agreement statement;
· credit agreement;
· repayment schedule.
No loan will be advanced until:
· required documentation has been received;
· identity verification has been completed;
· you have accepted the quotation where applicable;
· all regulatory requirements have been satisfied.
6. Responsible Lending
TBA Cash Loans is committed to responsible lending.
We reserve the right to decline any application if:
· affordability requirements are not met;
· information supplied is inaccurate;
· fraud is suspected;
· required documentation is incomplete;
· approval would constitute reckless lending under the National Credit Act.
7. Information You Provide
You warrant that all information submitted is:
· accurate;
· complete;
· current;
· truthful.
Providing false or misleading information may:
· result in rejection of the application;
· delay processing;
· lead to legal action where applicable.
8. Credit Bureau Enquiries
By submitting an application, you consent to TBA Cash Loans:
· verifying your identity;
· conducting credit bureau enquiries;
· performing affordability assessments;
· verifying employment and income where necessary.
This information is used solely for evaluating your application and administering any resulting credit agreement.
9. Personal Information (POPIA)
TBA Cash Loans processes personal information in accordance with the Protection of Personal Information Act (POPIA).
Personal information may be collected for purposes including:
· identity verification;
· affordability assessment;
· fraud prevention;
· credit bureau enquiries;
· regulatory compliance;
· administration of credit agreements.
Personal information will only be retained for as long as required by applicable legislation or legitimate business purposes.
Please refer to our Privacy Policy for further details.
10. Electronic Communication
You consent to receiving communications electronically, including:
· email;
· SMS;
· WhatsApp (where applicable);
· website notifications.
Electronic communications shall be deemed received in accordance with applicable South African legislation.
11. Electronic Acceptance
You acknowledge that electronic acceptance, including ticking consent boxes, digital signatures or similar electronic confirmations, may constitute legally binding acceptance where permitted by South African law.
12. Interest, Fees and Charges
Interest rates, initiation fees, service fees and other charges will be disclosed before any credit agreement is concluded.
All fees and interest are charged strictly in accordance with the National Credit Act and its Regulations.
13. No Financial Advice
Information on this website is provided for general information only.
Nothing on this website constitutes:
· financial advice;
· legal advice;
· investment advice.
Applicants should ensure they fully understand the terms of any proposed credit agreement before accepting it.
14. Intellectual Property
All content on this website, including:
· logos;
· graphics;
· text;
· images;
· software;
· branding;
is owned by or licensed to TBA Cash Loans.
No content may be copied, reproduced or distributed without written permission.
15. Website Availability
While reasonable efforts are made to maintain uninterrupted access, TBA Cash Loans does not guarantee that the website will always be available.
We may:
· suspend services;
· perform maintenance;
· update website functionality;
· discontinue features without prior notice.
16. Security
Users are responsible for protecting any login credentials used to access online services.
TBA Cash Loans cannot guarantee that internet communications are completely secure and accepts no responsibility for unauthorised access resulting from circumstances beyond its reasonable control.
17. Limitation of Liability
To the fullest extent permitted by law, TBA Cash Loans shall not be liable for:
· website interruptions;
· delays;
· technical failures;
· data loss;
· indirect or consequential damages;
· losses arising from reliance on website information.
Nothing in these Terms limits rights that cannot lawfully be excluded under South African law.
18. Fraud Prevention
TBA Cash Loans reserves the right to:
· verify all information;
· request additional documentation;
· decline suspicious applications;
· report suspected fraud to the appropriate authorities.
Submitting fraudulent information may constitute a criminal offence.
19. Third-Party Services
This website may contain links to third-party websites.
TBA Cash Loans is not responsible for:
· their content;
· availability;
· privacy practices;
· services.
Use of third-party websites is at your own risk.
20. Governing Law
These Terms are governed by the laws of the Republic of South Africa.
Any disputes shall be subject to the jurisdiction of the South African courts
21. Amendments
TBA Cash Loans may amend these Terms from time to time.
The latest version published on this website shall apply from the date of publication.
22. Contact Us
For enquiries regarding these Terms:
TBA Cash Loans
Telephone: 083 700 8211
Email: applications@tbacashloans.co.za
Physical Address: Florida, Roodepoort, Johannesburg