Not a Lender
Folmeris is a free loan comparison service. We are not a lender, credit provider, mortgage broker, or financial adviser. We do not hold a credit provider registration under the National Credit Act 34 of 2005. All loan products displayed on this platform are provided by independent NCR-registered third-party lenders.
No Guarantee of Approval
Displaying loan options does not constitute a loan offer or guarantee of approval. All credit decisions are made solely by the relevant lender based on their own underwriting criteria, credit assessment processes, and the requirements of the National Credit Act. Folmeris has no influence over any credit decision.
Results May Vary
Loan options, interest rates, fees, and terms displayed are indicative and subject to each lender's individual assessment of your creditworthiness, income, and other factors. Actual loan offers may differ from indicative results. Past performance does not guarantee future results.
Representative Example
Representative example as required by the National Credit Act: R10,000 borrowed over 12 months at a representative rate of 29.25% per annum results in monthly repayments of approximately R1,068. Total amount repayable: approximately R12,816. Actual rates and repayments may be higher or lower depending on individual circumstances and the lender selected.
Borrow Responsibly
Borrowing money is a serious financial commitment. Before taking out any loan, ensure you can afford the monthly repayments. Failure to repay a loan may result in legal action, negatively affect your credit score, and cause financial hardship. If you are struggling with debt, contact the National Debt Counselling helpline or a registered debt counsellor.
No Financial Advice
Nothing on this website constitutes financial, legal, or tax advice. Folmeris is not a registered financial services provider (FSP) under the Financial Advisory and Intermediary Services Act (FAIS) for advisory purposes. We recommend consulting a qualified, independent financial adviser before making any significant financial decision.
Regulatory Information
National Credit Regulator: ncr.org.za
Information Regulator (POPIA): inforegulator.org.za
FSCA: fsca.co.za
National Debt Counselling: +27 12 000 0000