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.

Use my property Use my Vehicle

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.

Use my property Use my Vehicle

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.

L
Lynette 18 November 2025

5.0

I was very pleasantly surprised at the high level of service, friendliness and genuine customer caring. Thank you PAWNSAONline for coming through for me when i needed this cash injection most ! | Than…

L
Lynette 18 November 2025

5.0

Didn’t expect the level of service received. I’m very satisfied at this point in time and I also noticed that property loans are available.

TM
Thabo Makena 26 September 2025

5.0

Clear and concise communication. Handled everything professionally.

SG
Stanley Grootboom 25 September 2025

5.0

Thanks for the superb Customer Service, it’s even much better than what other banks are offering. I hope that your business grows & you continue helping others who are marginalized by the mainstream b…

VM
Vusi Makhanda 19 March 2025

5.0

PawnSA is very efficient and reliable. It was my first time using this service and they were such a great help and took me through the process with great care. I would recommend their service to anyon…

T
Tsholofelo 14 January 2025

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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