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Frequently Asked Questions

Find answers about our loans, investments, funeral cover, and debt recovery services.

Loans

How fast is loan approval?
Typically 2‑24 hours after we receive your documents (ID, payslip, bank statement).
What is the interest rate on loans?
Our loans carry a fixed 5% total fee for a 1‑month term. No hidden charges.
Can I repay early without penalty?
Absolutely. No early repayment penalties – you only pay interest for the days used.

Investment

How is interest calculated on investments?
Interest compounds annually for the Growth plan (7.5% p.a.) and monthly for Monthly Income (5.5% p.a.) and (4% p.a.) plans.
Is my capital guaranteed?
Yes, your initial investment is capital guaranteed. We invest in low‑risk instruments to protect your principal.
What is the minimum investment amount?
You can start investing from just R1,000. For (4%), a minimum of R100,000 applies.

Funeral Cover

Is there a waiting period?
Basic plans have a 3‑month waiting period for natural death. Accidental death is covered immediately.
Can I add extended family members?
Yes, our Premium plan allows you to include parents, grandchildren, and other relatives.
How do I make a claim?
Call our 24/7 helpline, provide the policy number and death certificate – payout within 48 hours.

Debt Collection

Are you registered with the Council for Debt Collectors?
Yes, we are fully registered and compliant. Our registration number is available on request.
What happens if the debtor cannot be traced?
We offer skip tracing as an add‑on service. If we still cannot locate the debtor, no collection fees apply.
How quickly do you start working on a case?
Within 24 hours of receiving your instruction and documentation.
What are your commission rates?
Recovery Assist: 15‑25%, Legal Recovery Plus: 10‑18%, Enterprise: 8‑15%. No hidden fees.

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Justicia Trust Stand 195, Bushbuckridge

Call / WhatsApp

064 611 6805

Email

info@lnlinvestments.co.za

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