General Loan Information

Our short term loans help people manage their cash flow. If you need a cash loan to tide you over for a short while, we’re here for you. Our personal loan process is simple and easy to understand.


Due to the hardships that the private sector has experienced in the last couple of years, we now only deal with government employees.

Please check the below list before applying.


    We deal in short term loans, 1-6 months and amounts from
    R 1,000.00 to R 8,000.00
    as well as advancing money against the annual bonus.

    This will only be considered in the month preceding the bonus payment.


    The fees, interest, and insurance premiums applicable to the loan can be viewed on the National Credit Regulator’s website.

    Downing and Sons cc


    All loans include insurance which covers death, permanent and temporary disability, retrenchment (only if contributing to UIF – Unemployment Insurance Fund).

    In the event of death, the person lodging the claim will also receive a pay-out equal to the original principal debt excluding any optional insurance.


    The insurance is optional for obtaining the loan, but then another policy has to be ceded to Downing and Sons cc to cover the original principal debt plus any optional insurance.


    To process the loan you must have cell phone banking or make use of the USSD system ( USSD (Unstructured Supplementary Service Data) is a protocol used by GSM cell phones to communicate with their service provider’s computers via text messages)  as well as  email on your cell phone.

    If you have a desktop computer or laptop with a connected signature pad then it is not necessary to have email on your cell phone to process the loan application.


    ABSA : *120*2272#
    CAPITEC BANK : *120*3279#
    FIRST NATIONAL BANK : *120*321#
    NEDBANK  : *120*001#
    STANDARD BANK : *120*2345#