TRUST & COMPLIANCE

Compliance & Regulation

We are fully registered and compliant — because responsible lending is not optional, it's our foundation.

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Shield icon PJM Loans is Registered with the National Credit Regulator (NCR)

"PJM Loans adheres strictly to the National Credit Act (NCA), conducting affordability assessments, providing pre-contractual disclosures,
and offering clear credit agreements — so you can borrow with full confidence and no surprises."

OUR REGULATORY FRAMEWORK

How We Stay Compliant

National Credit Act (NCA)

COMPLIANT

PJM Loans is registered with the National Credit Regulator (NCR) and adheres strictly to the National Credit Act. We conduct mandatory affordability assessments and provide all required pre-contractual information to every borrower.

Affordability Assessments

MANDATORY
  • We assess every applicant's income and expenses.
  • We verify employment and bank statements.
  • We never lend beyond what you can afford.
  • Pre-agreement disclosures prevent reckless lending.
  • We reject applications to protect borrowers.

Credit Agreements

PRESCRIBED FORMS
  • Quotations provided before any agreement
  • Credit agreements in NCR-prescribed forms
  • Clear repayment schedules shared upfront
  • All fees disclosed transparently
  • No hidden charges — ever

Fair Rates Promise

GUARANTEED

"Fair Rates" means our pricing is regulated, transparent, and easy to understand. There are no hidden fees, no surprise charges, and clear repayment schedules tailored to your budget — all in line with the National Credit Act.

Data Protection

  • POPIA-compliant data handling
  • Your information is never sold
  • Secure digital document upload
  • Encrypted banking information
  • Consent required before any data use

Responsible Lending Charter

  • No predatory lending practices
  • Financial literacy resources available
  • Flexible repayment when hardship occurs
  • No penalty for early repayment
  • Customer wellbeing guides every decision

SOCIAL RESPONSIBILITY

Financial Inclusion for All South Africans

We commit to promoting financial literacy and responsible borrowing, contributing to the stability and growth of our communities. Whether you're in Johannesburg, Cape Town, or Bela Bela —
PJM Loans is here to support urgent needs and build stronger money skills for all.

NCR Registered

National Credit Regulator

NCA Compliant

National Credit Act

POPIA

Data Protection Compliant

Reg. 2018/488681/07

PJM Property Group (Pty) Ltd