Loans & Guides

No, applying for a personal loan will not hurt your credit. The key to understanding the credit impact of a loan application is knowing the difference between two types of credit checks. By Princella Esther Agyei Certified Credit Counselor & HR Manager, HR People Associates It’s one of the most common fears people have when they need to borrow money: …

By Princella Esther Agyei, Certified Credit Counselor & HR Manager – HR People Associates When a financial emergency strikes, the need for cash is immediate. A search for “online loans same day no credit check” is completely understandable-you need a fast solution without the fear of a credit check holding you back. However, this search can lead you down a …

By Princella Esther Agyei, Certified Credit Counselor & HR Manager, HR People Associates When you’re dealing with a low credit score and need cash urgently, the words “guaranteed approval” can feel like a lifeline. The fear of rejection is a heavy weight, and the promise of a sure thing is incredibly tempting. However, in the world of lending, this promise …

By Princella Esther Agyei – Certified Credit Counselor & HR Manager, HR People Associates Trying to secure a personal loan with a 550 credit score can feel like an uphill battle. The fear of rejection is real, and the world of lending can be confusing and intimidating. But it’s important to know you’re not alone, and more importantly, you have …

By Princella Esther Agyei Certified Credit Counselor & HR Manager, HR People Associates Small and Medium-sized Enterprises (SMEs) are the lifeblood of the South African economy. They are the creators of jobs, the innovators, and the cornerstones of our communities. Yet, every entrepreneur knows that passion, hard work, and a brilliant idea can only take you so far. To truly …

By Princella Esther Agyei Certified Credit Counselor & HR Manager, HR People Associates Buying your first home is one of life’s most exciting milestones. It’s a journey filled with dreams of choosing paint colours, planning a garden, and finally having a space to call your own. For months, you’ve likely been focused on two primary numbers: the purchase price of …

By Princella Esther Agyei – Certified Credit Counselor & HR Manager, HR People Associates When it comes to financing a vehicle in South Africa, two names inevitably dominate the conversation: WesBank and MFC (Motor Finance Corporation), a division of Nedbank. For decades, these two financial giants have been the driving force behind countless car purchases, from first-time buys to commercial …

By Princella Esther Agyei Certified Credit Counselor & HR Manager, HR People Associates A car breaks down, a medical issue arises, or a family crisis occurs, and suddenly you’re thinking, “I’m under debt review and I need a loan urgently.” It’s a stressful and difficult position to be in. You’re working hard to pay off old debt, but a new, …

By Princella Esther Agyei Certified Credit Counselor & HR Manager, HR People Associates Making the decision to enter debt review was a brave first step toward regaining financial control. But now, perhaps years later, you’re in a better position. You’ve been diligent with your payments, your circumstances have improved, and you’re ready for the next chapter: life after debt review. …

By Princella Esther Agyei Certified Credit Counselor & HR Manager, HR People Associates There are few feelings as exciting as getting the keys to a new car. The smell, the technology, the freedom of the open road—it’s a major life milestone. But in the rush of excitement, it’s easy to overlook the most critical part of the purchase: the finance …