Terms & Conditions – FatCat Loans South Africa
Terms of Use for Online Personal Loan Services in South Africa
Welcome to www.fatcatloans.co.za. Please read these Terms & Conditions carefully before using our website. By continuing to browse or use this site, you agree to these terms, which govern your access to and use of our online personal loan services in South Africa.
Acceptance of Terms
By using our website, you fully accept the terms, conditions, and disclaimers set out here. If you do not agree with these Terms & Conditions, please do not use www.fatcatloans.co.za.
Amendments
FatCat Loans reserves the right to modify or update these Terms & Conditions at any time without prior notice. Your continued use of the site constitutes your acceptance of any such changes.
Consent, Communication & Financial Services
By applying for a loan or financial product through this website, you consent to FatCat Loans and/or our trusted business affiliates collecting and processing your personal information to assess your financial situation and loan eligibility.
We may contact you via SMS, telephone, email, or post to discuss your loan application or related financial products. You also authorise FatCat Loans and our partners to perform necessary credit checks to confirm your eligibility for credit products.
Unless otherwise instructed, FatCat Loans and affiliated partners may present you with related offers or pre-qualification opportunities for other financial products. FatCat Loans may earn a referral fee when connecting you with a lender or broker.
The Service We Provide
www.fatcatloans.co.za is a registered trading name of Triple Eight Media Pty Ltd. FatCat Loans is a loan-matching and referral platform — we are not a direct lender and do not provide funds directly to borrowers.
After completing our online loan application form, we will introduce you to approved lenders or finance providers in South Africa who may be able to offer you credit. Your application will only be forwarded if a lender believes you meet their eligibility criteria.
Examples of Cost
Any loan amounts, interest rates, or repayment terms displayed on our site are examples only, provided to illustrate potential costs. They do not constitute an offer or guarantee of credit. Each lender determines its own loan terms based on your financial profile.
FatCat Loans does not charge any fees for using our service. Be alert to scams — we will never ask you to pay money to obtain a loan. If anyone contacts you claiming to represent FatCat Loans and requests payment, please report this immediately as it is fraudulent. We, or any legitimate lender, will never request upfront fees.
Loan approval decisions are made solely by lenders. When you apply, lenders may conduct credit and affordability checks in line with South African regulations.
Third-Party Websites
Our website may include links to external websites managed by third parties. These links are provided for convenience only. FatCat Loans does not control, endorse, or take responsibility for the content or accuracy of any external sites.
Intellectual Property Rights
All content on this website — including text, design, graphics, logos, and source code — is protected by copyright and intellectual property laws. You may only use the website for personal, non-commercial purposes. No content may be copied, reproduced, or distributed without written permission from FatCat Loans.
Liability
While we strive to connect you with suitable lenders, FatCat Loans cannot guarantee that your application will be approved or funded. We accept no liability for losses or damages arising from the use of this website, except where required by South African law.
Indemnity
By using this site, you agree to indemnify and hold harmless FatCat Loans, Triple Eight Media Pty Ltd, and our employees or agents against all claims, losses, and expenses resulting from your breach of these Terms & Conditions or misuse of the website.
Severance
If any provision of these Terms & Conditions is found to be invalid or unenforceable by a court, the remaining provisions shall continue in full effect.
Governing Law
These Terms & Conditions are governed by and interpreted under the laws of South Africa. You agree to submit to the exclusive jurisdiction of South African courts.
Complaints & Contact Information
If you have questions about your loan application, repayments, or agreement, please contact your lender directly. For other queries regarding FatCat Loans or this website, contact Triple Eight Media Pty Ltd via the form on our Contact Us page.
FatCat Loans remains committed to transparency, data protection, and responsible lending practices for all users of our online loan services in South Africa.