These terms govern your use of finpandas.com/za (the “site”), operated by GCORP FZCO, registration number 14994, Dubai Silicon Oasis, Dubai, United Arab Emirates (“Finpandas”, “we”, “us”). By using the site you agree to them. If you do not agree, please do not use the site.
1. What we do — and what we are not
Finpandas is an introduction service. We collect the details you submit and pass them to credit providers on our panel so that they can decide whether to offer you credit.
Finpandas is not a financial institution, a bank or a lender. We do not lend money, we do not approve or decline applications, we do not set interest rates, and we are not a party to any credit agreement you enter into. Every lending decision, and every term of any loan, belongs to the credit provider.
Nothing on this site is financial, credit or legal advice. We do not assess whether a loan is suitable for you. If you are unsure, speak to a registered financial adviser or a registered debt counsellor.
2. Eligibility
To use the service you must be at least 18 years old, a resident of South Africa, and legally able to enter into a credit agreement. Credit providers on our panel apply their own eligibility criteria, which are usually narrower than ours — most will only consider applicants between 18 and 64 who receive a regular income.
3. What we ask of you
- Give us information that is true, complete and your own. Submitting someone else's identity or income details is fraud, and we report it.
- Use the site for your own application only, and not to scrape, test, overload or interfere with it.
- Keep in mind that inaccurate information usually results in a decline, because the credit provider verifies it independently.
4. Fees
Our service is free to you. We never charge you a fee, and we will never ask you to pay anything to receive an offer or to “release” a loan. We are paid a fee by the credit providers we introduce you to. That fee does not change the rate you are offered, and it is not added to your loan.
If anyone contacts you claiming to be Finpandas and asks for an upfront payment, it is not us. Please tell us about it.
5. No guarantee of an offer
Submitting an application does not mean you will be matched with a credit provider, and being matched does not mean you will be approved. Availability, amounts, rates and terms all depend on the provider's own assessment of your affordability and credit profile.
Any figure shown on this site — including anything produced by the repayment illustration — is an estimate for illustration only. APR ranges from 12% to 36%. Repayment terms vary by lender, from 15 days up to 72 months depending on the provider you are matched with. All calculations are estimates and may vary based on interest rate, loan amount and term, and exclude initiation and monthly service fees a provider may charge.
6. Your dealings with credit providers
Once we hand your application over, your relationship is with that credit provider. Their terms, their privacy policy and their complaints process apply. We cannot control their actions, their inaction, the rates they set or how quickly they respond, and we are not responsible for them. You are never obliged to accept an offer or to contact any provider we introduce.
Credit is provided by third parties registered with the National Credit Regulator under the National Credit Act 34 of 2005.
7. The site itself
We try to keep the site available and accurate, but we do not promise it will be uninterrupted or error-free, and we may change or withdraw any part of it. The content, design, text and marks on the site belong to us or our licensors and may not be copied or reused without permission.
8. Liability
To the fullest extent the law allows, we are not liable for any indirect or consequential loss arising from your use of the site or from any credit agreement you enter into with a provider. Nothing in these terms limits liability that cannot lawfully be limited, including for fraud.
9. Changes
We may update these terms from time to time. The version published here is the one that applies, and the date at the top tells you when it last changed.
10. Governing law and contact
These terms are governed by the laws of the United Arab Emirates, without affecting any protection you have as a consumer under South African law.
Questions about these terms: legal@finpandas.com, or write to GCORP FZCO, Dubai Silicon Oasis, Dubai, United Arab Emirates.