Fees & Charges

This page summarises the types of costs that may apply to a short-term personal loan from Selio (Pty) Ltd t/a LunSa Loans (NCR NCRCP23540). Exact amounts are confirmed in your pre-agreement statement and quotation and credit agreement before you accept — as required under the National Credit Act 34 of 2005, as amended.

1. Cost of credit (what must be clear)

Before you enter a credit agreement, the total cost of credit disclosure typically includes (where applicable):

• Principal debt — the amount shown on your loan documents (this may be higher than the cash paid into your bank account where a permitted fee is capitalised)
• Interest — charged under your agreement and within NCA rate rules for the agreement category
• Initiation / service / handling fee — where permitted and disclosed (our short-term model uses a fixed fee for the agreed term)
• Credit insurance — only if offered and accepted
• Credit cost multiple — disclosed in the pre-agreement quotation so you can compare the total cost relative to the amount borrowed

2. No website calculator

This website does not publish a loan calculator or public amount ranges. A standard instalment calculator would misstate our fixed-fee short-term charges. Your exact cash disbursement, fees and total repayment are set out only in your official quotation and loan agreement after assessment.

3. Short-term fixed-fee model

• We focus on short-term loans (typically about one month; weekly-pay options may be available)
• The service / handling fee for your agreed short term is fixed for that agreement — it is not derived from a long-term amortisation calculator on this site
• Loan amounts are assessed case by case and confirmed in your contract

4. Other possible charges

• Default / collection-related charges only where allowed by law and your agreement
• Third-party costs (for example bank rejection fees) only if they arise and are lawfully recoverable

We do not charge unlawful “upfront guarantee” fees to “unlock” a loan. Be wary of anyone asking you to pay an unregistered intermediary before funds are advanced.

5. Ask before you accept

If anything in a quotation is unclear, ask us before you accept: support@lunsafinance.co.za · WhatsApp 067 314 1658 (text questions only — upload documents on the application form).