Legal
Terms & Conditions
These Terms & Conditions (“Terms”) govern your use of the LunSa Loans website, online application and related digital services operated by Selio (Pty) Ltd t/a LunSa Loans (“we”, “us”, “our”), a registered credit provider under the National Credit Act 34 of 2005, as amended.
1. Who we are
- Credit provider: Selio (Pty) Ltd t/a LunSa Loans
- Legal entity: Selio (Pty) Ltd
- Trading as: LunSa Loans
- Company registration: 2026/015205/07
- NCR registration: NCRCP23540 — verify on NCR register
- Branch / office: Selio – Gqeberha, Summerstrand · 105 Admiralty Way, Summerstrand, Gqeberha, 6001
2. Website use
You may use this website to learn about our short-term lending products, start an application, upload required documents, and manage an account if approved. You must provide accurate information and keep login details confidential. WhatsApp (where linked) is for text enquiries only — official documents must be submitted through the website application form.
3. Loan applications and credit agreements
Submitting an application does not guarantee approval. Any loan is subject to affordability assessment, credit assessment, identity/verification checks, and a written credit agreement under the NCA. This website does not publish a loan calculator or public amount ranges; any indicative amount you enter is not a quotation or offer.
Before you accept credit, you will receive a pre-agreement statement and quotation setting out the cost of credit (including the credit cost multiple where required). The contract principal shown on loan documents may be higher than the cash paid into your bank account where a permitted fee is capitalised — this is disclosed before you accept. Only accept if you understand the amounts and your repayment obligations.
4. Responsible lending and your duty to be truthful
We assess applications in line with responsible lending duties under the NCA (including affordability). We may decline, request more information, or offer different terms where assessment requires it.
When you apply for credit, you must fully and truthfully answer requests for information that form part of our assessment (see NCA section 81). Misrepresentation may have legal consequences and can lead to decline or other remedies permitted by law.
5. Credit bureaux and verification
We may obtain and share consumer credit information with registered credit bureaux and verification partners as allowed by the NCA and POPIA, to assess applications, manage accounts, and prevent fraud. See our Privacy Policy.
6. Your obligations
- Provide true, complete and current information
- Do not misuse the platform or attempt unauthorised access
- Comply with any credit agreement you accept
- Notify us promptly of material changes to contact or banking details
- Repay instalments on time under your agreement
7. Consumer rights (summary)
Under the NCA and related law, consumers generally have rights relating to clear disclosure of the cost of credit, responsible lending, statements of account, and complaints / dispute resolution. This summary does not replace the Act or your agreement. See our Fees & Charges and Complaints procedure.
8. Intellectual property
Brand assets, site content and software remain our property or that of our licensors. You may not copy or reuse them except as allowed by law or with written permission.
9. Liability
To the extent permitted by South African law (including the Consumer Protection Act where applicable), we are not liable for losses arising from reliance on estimates, third-party outages, or your breach of these Terms. Nothing in these Terms excludes liability that cannot lawfully be excluded.
10. Privacy
Personal information is handled under our Privacy Policy and POPIA Notice.
11. Changes
We may update these Terms. Material changes will be published on this page with a new version date. Accepted historical versions remain on record for customers who accepted them.
12. Contact
Email: support@lunsafinance.co.za
WhatsApp: 067 314 1658
Office: 105 Admiralty Way, Summerstrand, Gqeberha, 6001