Please read these terms carefully before using our services. Last updated: 18 March 2026
Welcome to L&L Investments and Loans. By accessing or using our website, mobile applications, or any services provided by L & L Investments And Loans (Pty) Ltd (registration number 2020/211003/07), you agree to be bound by these Terms of Use. If you do not agree, please do not use our services.
“We”, “us”, “our” refers to L & L Investments And Loans (Pty) Ltd, including its directors, employees, and agents.
“You”, “your” refers to the user, client, or visitor of our website or services.
“NCR” means the National Credit Regulator.
“FSP” means Financial Services Provider.
“Services” includes loans, investments, funeral cover, debt collection, and any other financial products offered by us.
By applying for any of our products, you confirm that you have read, understood, and accepted these terms, our Privacy Policy, and any specific loan/investment agreements. We may update these terms from time to time; the latest version will always be available on this page.
To use our services you must:
All loans are subject to credit approval and affordability assessment in line with the National Credit Act (NCA). We offer:
You agree to repay the loan plus interest and fees as outlined in your loan agreement. Late payments may incur additional charges and be reported to credit bureaus.
Our investment plans are capital‑guaranteed and subject to the terms of the specific plan selected:
Early withdrawals are subject to penalties as detailed in your investment contract.
Funeral plans provide cover from R10,000 to R100,000. Waiting periods apply: natural death (6 months), accidental death (immediate), suicidal death (12 months). Premiums must be paid monthly to keep cover active. Claims are paid within 48 hours of approval.
Debt collection services are provided in partnership with ASC Attorneys Inc. Fees are based on a contingency model (no recovery, no commission) as outlined in the service agreement. All collection activities comply with the Consumer Protection Act and Debt Collectors Act.
We collect, process, and store your personal information in accordance with the Protection of Personal Information Act (POPIA). We will never sell your data. Full details are in our Privacy Policy.
L & L Investments And Loans (Pty) Ltd is a registered credit provider (NCRCP13901) and an authorised financial services provider (FSP 55149). We comply with all applicable laws and regulations.
To the extent permitted by law, we shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services. Our total liability is limited to the amount you paid us for the specific service giving rise to the claim.
These terms are governed by the laws of the Republic of South Africa. Any disputes shall be submitted to the jurisdiction of the Magistrate’s Court of Bushbuckridge or the High Court of South Africa, Mpumalanga Division.
If you have any questions about these Terms, please contact us:
These Terms of Use were last updated on 1 April 2024 and apply to all services provided from that date.