Terms of Service

These terms govern your use of the Stellar Loans website and the credit products we offer. By creating an account or submitting an application you agree to these terms. They are not the credit agreement itself — that is a separate document you sign before any funds are released.

1. About us

Stellar Loans (Pty) Ltd is a registered credit provider with the National Credit Regulator under the National Credit Act 34 of 2005 ("NCA").

2. Eligibility

• You must be 18 years or older.
• You must be a South African citizen or permanent resident with a valid SA ID.
• You must earn a regular salary or pension into a South African bank account.
• You must not be under debt review or sequestration.

3. Application process

Submitting an application is an invitation to treat — it is not an offer or acceptance of credit. We will assess your application and may decline it for any lawful reason, including failed affordability assessment.

4. Pre-agreement quote and credit agreement

If you qualify, we will issue a pre-agreement quote and a written credit agreement disclosing the principal debt, interest rate, fees (initiation fee, monthly service fee), credit life insurance (if any), the total cost of credit, the instalment amount, the repayment schedule and the cooling-off period. You are not obliged to accept and you have the right to consult an independent advisor.

5. Fees and interest

All fees and interest are charged within the maximum prescribed by the NCA and its regulations. See our services page for a representative example.

6. Repayment

You authorise the agreed debit order against your nominated bank account on the agreed date. If you anticipate a missed payment you must contact us immediately. Failure to pay may result in fees, default listing with credit bureaus, and lawful collection steps.

7. Acceptable use

You may not submit false information, attempt to bypass our security controls, or use the website to defraud us or any third party. We reserve the right to decline applications and close accounts for breach of these terms.

8. Privacy

We process your personal information in accordance with our privacy policy.

9. Complaints

See our complaints procedure for how to raise an issue, escalate to the NCR, or refer the matter to the Credit Ombud.

10. Governing law

These terms are governed by the laws of the Republic of South Africa. Disputes are subject to the jurisdiction of the South African courts.