To borrow from Cash Crusaders you must be 18 or older and bring an item in full working condition. Cash Crusaders lends against goods, not your salary: the store quotes you on the item, and you get cash once the deal is concluded.
Cash Crusaders’ website terms also list proof of identification, your most recent utility bill (proof of residence) and proof of banking particulars as the documents needed before payment is released on online and WhatsApp transactions. Stores are franchised, so confirm exactly what your branch wants before you go.
Eligibility Requirements at a Glance
- Be 18 years or older to sell or pawn
- Bring an item in full working condition; goods are only accepted in that state
- Have your proof of identification, proof of residence and banking details ready (see the documents section)
- Take the item to your nearest store, where you get an immediate, no-obligation quote
Do not pawn goods that belong to someone else or that you are still paying off on credit; you can only pledge what you own outright.
Income and Affordability Requirements
The loan is secured by the item, so the process is built around the goods rather than a salary assessment. The cost is what you need to understand before you agree.
Cash Crusaders’ terms say charges depend on the loan value and, in South African stores, are up to a 15% initiation fee plus VAT, 5% interest and a service fee of R60 plus VAT per calendar month. Ask the store for the total you will pay to get the item back, and the date, in writing.
Credit and Financial Requirements
The terms do not set a credit score or income minimum. Fees charged online may differ from those in store, but Cash Crusaders states they will never exceed those permitted by the National Credit Regulator (NCR). Ask your store whether any credit or affordability checks apply to your transaction.
The real risk is losing the item. Never pawn something you cannot afford to lose, such as tools you work with, a wedding ring or a laptop you need for study.
Documents and Verification Required
- Proof of identification
- Your most recent utility bill as proof of residence
- Proof of banking particulars
- The item itself, in full working condition
The three documents above are the ones named in the terms for online and WhatsApp transactions. Items submitted through the platform are verified to make sure they match the condition you described before the price is final. Keep your copy of any agreement you sign.
How to Apply and Improve Approval Readiness
You can arrange a loan in store or by WhatsApp with your local store. Use the store locator on the Cash Crusaders website to find your branch.
- Take the item, your ID, a recent utility bill and your banking details
- Get the quote and ask for the full repayment amount and deadline in writing
- Keep your paperwork safe; you will need it to get the item back
- If you need more time, ask about extending the loan (see the FAQ)
- If you are borrowing repeatedly to cover living costs, speak to a registered debt counsellor
Frequently Asked Questions
What do you need to borrow money from Cash Crusaders?
You must be 18 or older and bring an item in full working condition. The terms name proof of identification, a recent utility bill and proof of banking particulars as the documents required before payment is released, and the store gives you a quote on the item.
What do they need at Cash Crusaders when you borrow money?
Proof of identification, your most recent utility bill (proof of residence) and your banking details, plus the item. The terms state these for online and WhatsApp transactions, so ask your branch whether it asks for the same in store.
What are the Cash Crusaders loan extension requirements?
Customers with an active loan may be able to end it and re-initiate a new loan for a further 30-day period. Fees are payable on the new contract, including interest, service and initiation fees and an online service fee of R69.00. Cash Crusaders advertises that a loan can be extended up to five times on its website.
How much does a Cash Crusaders loan cost?
In South African stores the terms say up to a 15% initiation fee plus VAT, 5% interest and a R60 plus VAT service fee per calendar month, depending on the loan value.
How old do I have to be?
You must be 18 or older to sell or pawn.
Can I pawn something that is still on credit?
No. You should only pledge goods you own outright.
Confirm current charges and what your branch requires with Cash Crusaders directly. See loan requirements and browse all finance and funding requirements.