Interactive Credit Solutions
Interactive Credit Solutions or ICS is a company that provides financial products and services to South Africans. They offer credit solutions, home loans, emergency assistance, cellular insurance, and even student loans. ICS South Africa is managed by Uveshan Moodley and Ashika Moodley.
Interactive Credit Solutions is not a direct loan provider. Instead, they make it easier for South Africans to apply for loans by connecting them with their partner lenders.
They have a 6-in-1 membership plan which allows you to avail the following services:
- Home assist
- Student assist
- Funeral assist
- Credit report
- Loan-finding services
- Holiday assist
When using Interactive Credit Solutions services, take note that you agree to let them forward necessary details you’ve given them to their partner lenders to better assess your request.
Getting Your Loan
To apply for a loan, fill out the application form they have on their website.
ICS credit solutions will look for a lender that will be able to provide your loan request. They’re partnered with the most trusted lenders in South Africa so you can rest assured you’ll be dealing with legitimate businesses regulated by government laws. In case ICS doesn’t find a lender that will accept your request, they will refer you to the one that closely matches your needs.
You can cancel your application within the allotted 7-day cooling-off period. If you cancel your request outside of this period, you’ll be charged a cancellation fee amounting to R79.
Interest & Fees
Fees and interest rates will vary according to the lender suited to your request.
ICS Membership, on the other hand, will cost you a once-off fee of R299. After this, you have to pay R99 per month to avail the 6-in-1 plan which includes the ICS personal loan assist. This amount will be deducted automatically from your bank account where your salary is deposited.
Repayments terms will also depend on the options given by the lender. It can range from 1 month to 6 years, depending on the amount you’ve requested to borrow.
The service is available only to citizens between 18 to 58 years of age who have paid the fees required by the company.
Members of ICS Personal Loan Assist need to submit all their personal details along with their loan request just once. The company’s consultants will forward your application to several lenders and take care of the rest of the process.
Approval of your loan request will depend on your credit profile, monthly salary, and other circumstances that lenders may deem important in your capability to repay the debt.
If you have any inquiries regarding ICS Personal Loan Assist or any other products they offer, you can submit them using the Contact Us form available on their website.
You can also communicate with ICS members contact number through the following channels:
Phone: 087 021 0776
If you prefer to pay them a visit, their office is located at the following address:
Interactive Credit Solutions, Phoenix, Durban, South Africa
If you have complaints, you can send them to the following email address:
Complaints Email: firstname.lastname@example.org
Uveshan and Ashika Moodley themselves will attend to your needs.