Last Updated: July 2025

1. Introduction

Welcome to TD Loans. These Terms of Service govern your access to and use of our website and services. By applying for a loan or using our website, you agree to these terms.

2. Eligibility

Our services are available to South African citizens and permanent residents aged 18 years or older who have a valid ID and a steady source of income.

3. Loan Application Process

All loan applications are subject to credit checks and verification of documentation. Submission of an application does not guarantee approval.

4. Interest Rates and Fees

Interest rates and applicable fees are disclosed upfront before acceptance. By proceeding with a loan, you acknowledge and accept the agreed repayment schedule.

5. Your Responsibilities

• Provide accurate and honest information during the application process.
• Notify us of any changes to your contact or employment details.
• Repay the loan on time according to the agreed schedule.

6. Fraud and Misrepresentation

Submitting false documents or misrepresenting information constitutes fraud and may result in legal action, blacklisting, or criminal prosecution.

7. Privacy and POPIA Compliance

We comply with the Protection of Personal Information Act (POPIA). Your personal data is handled with strict confidentiality. For full details, refer to our Privacy Policy.

8. Dispute Resolution

Any disputes or complaints should first be directed to our support team at info@tdloans.co.za. If unresolved, they may be escalated to the National Credit Regulator (NCR).

9. Amendments to Terms

We reserve the right to amend these Terms of Service at any time. Updated versions will be posted on this page with the revision date.

10. Contact Us

For questions or concerns regarding these terms, please contact our head office at 0800 204 679 or email info@tdloans.co.za.