QMS CONSULTING
Responsible Lending. Transparent Service. Financial Solutions.
QMS Consulting (PTY) LTD is a registered credit provider (NCRCP 984), operating in accordance with the National Credit Act 34 of 2005 and its applicable regulations.
We are committed to responsible lending and ensuring that every loan application is subject to a comprehensive affordability assessment, irrespective of whether the application is approved or declined.
Our Lending Criteria
QMS offers short-term loans of up to R7 200, with repayment periods of up to six months, subject to our lending criteria and affordability assessments.
Applicants must not be under administration or debt review at the time of application.
Every application is assessed individually, taking the applicant's financial circumstances and ability to repay into consideration. Our approach is designed to promote responsible borrowing and minimise the risk of over-indebtedness.
Our Transparent Pricing Structure
We take pride in our professional approach to lending and are committed to maintaining a transparent fee structure in accordance with applicable National Credit Act requirements.
Our stated pricing structure is as follows:
The initiation fee is recovered over the repayment period of the loan. All applicable interest, fees, repayment terms and the total cost of credit are disclosed to clients before they enter into a credit agreement.
Our Commitment to Responsible Lending
At QMS, we recognise the importance of responsible credit provision and the financial challenges consumers may experience.
We are committed to implementing policies and procedures that support the early identification of financial distress. By monitoring payment difficulties, we aim to identify potential debt-related concerns at an early stage and, where appropriate, facilitate assistance.
We also recognise the importance of cooperation with debt counsellors and other credit providers in addressing financial difficulties and resolving matters of mutual concern.
Our Professional Standards
Our commitment is to provide a professional, transparent and responsible lending service that places the consumer's financial circumstances at the centre of every lending decision.
Through sound lending practices, effective administration and a commitment to regulatory compliance, QMS strives to maintain a sustainable credit environment that serves both our clients and our business partners.
QMS Consulting (PTY) LTD
Quick. Simple. Transparent. Peace of Mind.
Fee Amount
Interest rate on the first loan in a calendar year 5%
Interest rate on subsequent loans in the same calendar year 3%
Initiation fee 15.75% (VAT inclusive)
Monthly service fee R75.50 (VAT inclusive)
About
QMS was established in 2000, our main aim at QMS Consulting, is to offer a credit facilityclients which is easily accessible, which offers affordable rates and most importantly protects
our clients against Reckless credit practices.
The professional services rendered by QMS Consulting will add value and protect the client’s interestall times, through dealing with a responsible registered credit provider.
THE QMS ADVANTAGE
A streamlined process. Clear responsibilities. Responsible lending. Our approach is designed to offer employers an efficiently managed employee loan facility while allowing QMS to handle the loan application, assessment and administration processes directly. By combining individual affordability assessments with structured payroll administration, QMS aims to provide a transparent and professionally managed service that considers the interests of both employers and employees.
QMS Consulting (PTY) LTD
Quick. Simple. Transparent. Peace of Mind.