Secure a loan against your property or vehicle

Borrow up to R300,000 on your paid-up property over 5-10 years, or on your vehicle over a 12 month term.

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Flexible loans backed by your assets

Loan options

Secure lending options designed to work with the assets you already own.

Loan against vehicle

Access funds based on your vehicle's value while continuing to drive it. Your car works as collateral, but stays in your hands.

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Loan against property

Access up to R300,000 using your debt-free property as collateral while retaining full ownership and occupation rights.

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A simple, straightforward process

How it works

Getting the funds you need is easier than you think. We've streamlined our process to be quick, transparent, and hassle-free from start to finish.

Apply online

Complete our simple application form with details about your property or vehicle.

Get approved

We'll provide you with a clear loan agreement outlining the terms, amount, and repayment structure.

Receive your funds

We'll finalise the necessary registrations and transfer your funds directly into your account.

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Join those who trust us with their assets

Reviews

Curious about what it's like to work with us? Here's what our clients have experienced firsthand.

They are the best. I've been using them gor 3 years now. They never disappoint

PR
Portia Rasetlola8 April 2026

5.0

Everything was so easy. Was assisted all the way and there was no lack of communication

CB
Carl Benjiman12 March 2026

5.0

This has been a much needed help, I really needed the money to expand my business. This has been better than going to a loan shark. Thank you to the person who assisted with my application, everything…

S
Siviwe10 March 2026

5.0

Wonderful experience!

MM
Meche Manuel4 March 2026

5.0

Amazing services, very professional.

L
Laverne4 February 2026

5.0

Been a client of Pawn SA 2 years, and they service and professionalism is on another level They have helped me through my toughest times and I am continuing my service with them as they are extrem…

VH
Vivek Harichand30 January 2026

5.0

Frequently asked questions

We've answered the most common questions to help you make an informed decision.

Still have questions?

Whether you're curious about eligibility, loan terms, or the application process, our team is ready to provide clear answers and guide you through your options.

Contact us

Yes! We are fully registered with the NCR, CIPC, SAPS, and FICA. As a legitimate, regulated lender, we follow proper lending practices and never charge upfront fees.

We use your asset (property or vehicle) as security whilst you retain ownership. For property loans, we register a limited bond over your unencumbered property. For vehicle loans, we change only the titledeed whilst you remain the legal owner on the registration documents.

Vehicle-backed loans typically take 5-7 working days from contract signing. Property-backed loans are finalised once the bond is legally registered at the Deeds Office, with the timeline depending on how quickly registration is completed.

Loan amounts depend on your asset's value and affordability assessment. Vehicle loans offer quick access to funds, whilst property loans can provide up to R300,000.

Yes, absolutely! You retain full ownership and use of your asset throughout the loan period. Whether it's your property or vehicle, you continue using it exactly as you did before.

Once your loan is fully repaid, all security registrations are removed and the agreement is complete. Your asset remains yours with no restrictions.

Apply for a loan today

Complete our quick application form. Our team will guide you through a simple process from application to funding.

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