Terms and Conditions

1. Terms

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.

2. Use License

  1. Permission is granted to temporarily download one copy of the materials (information or software) on HMT LOANS CC's web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
    1. modify or copy the materials;
    2. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
    3. attempt to decompile or reverse engineer any software contained on HMT LOANS CC's web site;
    4. remove any copyright or other proprietary notations from the materials; or
    5. transfer the materials to another person or "mirror" the materials on any other server.
  2. This license shall automatically terminate if you violate any of these restrictions and may be terminated by HMT LOANS CC at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer

  1. The materials on HMT LOANS CC's web site are provided "as is". HMT LOANS CC makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, HMT LOANS CC does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

4. Limitations

In no event shall HMT LOANS CC or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on HMT LOANS CC's Internet site, even if HMT LOANS CC or a HMT LOANS CC authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata

The materials appearing on HMT LOANS CC's web site could include technical, typographical, or photographic errors. HMT LOANS CC does not warrant that any of the materials on its web site are accurate, complete, or current. HMT LOANS CC may make changes to the materials contained on its web site at any time without notice. HMT LOANS CC does not, however, make any commitment to update the materials.

6. Links

HMT LOANS CC has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by HMT LOANS CC of the site. Use of any such linked web site is at the user's own risk.

7. Site Terms of Use Modifications

HMT LOANS CC may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

8. Governing Law

Any claim relating to HMT LOANS CC's web site shall be governed by the laws of South-Africa without regard to its conflict of law provisions.

9. Secure Data 

All Data is safe, secure, and available only to the Visitor with permission, in addition, the web site is hosted in a secure server environment that uses a firewall and other advanced security measures to prevent interference or access from outside intruders. 

10. HMT Loans CC commitment.


We belief to give our clients the HMT Loans CC commitment and we stand by our word, where you see this symbol you know you are dealing with excellent service and there is a person involved that looks at your personal loan and to make sure you get the best possible product

Information & assessment.

HMT Loans CC will provide our clients with a quotation with all the relevant information to make informed decisions before they sign any agreements. All our agreements is not self-generated and must be applied for, a qualified consultant will assess your application and will make sure you qualify.

Product & cost.

The right product will be chosen for you according to your affordability and a quotation will be send out for your approval. The cost associated with your product or agreement will be set out in detail and will be referred to as Deferred amount means any amount payable in terms of a credit agreement the payment of which is deferred and upon which interest is calculated, or any fee, charge or increased price is payable by reason of the deferment, for example: Capital amount; Initiation fee; admin fee; interest; ctc; vat = Deferred amount. The deferred amount will be your instalment amount payable on your next pay date.


As a valuable client, we would like to build a relationship with you over time and the only way to do that is to be open and transparent. You will be able to login to your account and view all your information and all your agreements made at all times.

As a responsible company, HMT Loans CC Pty(Ltd) 2006/093001/23 is an Authorised Financial Services and Registered Credit Provider (NCRCP9747)  that focuses on short term personal loans; we are committed to responsible lending. Our services are designed to empower people’s finances in times when the occasional emergency or unexpected account catches you. We understand the importance of doing an accurate affordability and our products range from R500 to R2000 over a period of two months where we will provide you with the right product to suit your pocket. Our APR is 60% according to the National Credit Act 34 of 2005. 


HMT Loans CC will investigate all activities that reduce, deter or prevent the occurrence of specific mistakes or issues in our business to protect the clients and the employees of this company. First by altering the environment in which the problem occurred to make sure, it does not happen again. Secondly, by changing the conditions that causes the problem in the first place. Thirdly by providing a deterrent solution in the form of an effective monitoring system. There are no hidden agendas or hidden cost we are not brokers but we are registered credit provider that complies with all the necessary rules and regulation to the best of our abilities.


Mail us : info@hmtloans.co.za