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Implications of Non-Payment

At Thusa Batho Loans, we follow the National Credit Act (NCA) and believe in responsible lending. It’s important that you understand what happens if you miss or delay payments.

Financial Implications

If you miss a payment or pay late, interest and fees may be charged on the overdue amount.
The interest rate on any arrears will not exceed the maximum allowed under the NCA.
If payments are not made as agreed, the full outstanding balance (including loan amount, interest, arrear interest, fees, and legal costs) may become immediately due and payable.
In severe cases, the loan agreement may be cancelled.

Collection Practices

We will always try to work with you first before taking legal action:

Written Notice: We will inform you in writing that you are in default and suggest that you contact a debt counsellor, alternative dispute resolution agent, consumer court, or ombud to resolve the issue or make a repayment plan.
Waiting Period: If you have been in default for 20 business days and at least 10 business days have passed since we sent you notice, and you have not responded (or rejected our proposals), we may approach a court to enforce the agreement.
Re-instatement: You may still re-instate your loan agreement by paying all overdue amounts, plus any default charges and collection costs, up to the date of re-instatement — if we agree to it.

Renewal Policy

Important Note

Please borrow responsibly. Make sure you can afford repayments before applying. Missing payments can affect your credit record and make it harder to get credit in the future.