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.

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 Harichand 30 January 2026

5.0

Transparent and very helpful. Service was very good

DW
Dustin Walters 16 January 2026

5.0

I was so stressed about the whole process but have received help with so much patience and professionalism. Thank you.

A
Anonymous 16 January 2026

5.0

I would like to express my sincere appreciation to PAWNSAOnline for the excellent service I received. The entire process, from my initial application to the finalisation, was absolutely flawless. I wa…

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

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.

Pawn My Property Pawn My Vehicle