Terms of Use and Legal Disclaimer


The operator of this website is 123 Loans (Pty) Ltd trading as ShowTime Finance, registration number 2013/116897/07. The use of this website is subject to the Legal Disclaimer and Terms of Use set out below. Our Terms of Use and Legal Disclaimer policies need to be read in conjunction with our Terms and Conditions and Privacy Policy. All the aforementioned policies will govern our current and future relationship, and constitutes a binding agreement between you and ShowTime Finance.

Terms of Use

Consent to Perform Credit Check

  • To contact, request and obtain credit information (for the avoidance of doubt this includes any and all information held on my profile by Experian South Africa (Pty) Ltd (“Experian”) including payment profile information) from Experian (a registered credit bureau) to verify my identity, perform an assessment of my behaviour, profile, payment patterns, indebtedness, whereabouts, and creditworthiness or another related purposes in any format (including in pdf, xml or raw data string) available from Experian and to continuously access my information from Experian for as long as I may have a relationship with the Company,
  • make any reasonable enquiries to verify and research any details provided by me to the Company;
  • to do an account verification check to verify that banking details provided, are correct;
  • to access the information in any format, including online, batch and raw xml string and I consent that the enquiry should not be displayed on my credit profile if the enquiry was not performed for credit application purposes;
  • to submit my information, including payment profile and default information and any other relevant information, to Experian and to allow Experian to release the information for lawful purposes to third parties.


The copyright and material on this website is owned by ShowTime Finance, and is protected by the copyright laws of South Africa. The material on this website may only be used by those who access it from South Africa, and such users will be entitled to copy any such information for their own use, but may not republish, store or reproduce any such information in any manner, including, but not limited to, electronic reproduction without the prior written consent of ShowTime Finance. Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this website may be in breach of statutory or common law rights which could be the subject of legal action. ShowTime Finance disclaim all liability which may result from any unauthorised reproduction or use of the information on this website.


Certain names, words, titles, phrases, logos, icons, graphics or designs to the pages of this website may constitute trade names or unregistered trademarks of ShowTime Finance. The display of any of the above trade names or trademarks on pages of this website does not imply that any licence has been granted to any third party in respect of the same. All other product or company names and devices, logos, icons, graphics or designs referred to on the pages of this website are the trademarks of their respective owners and are exhibited only in such a manner to be for the benefit of such trademark owners, and ShowTime Finance intend no infringement of such trademarks. The appearance or absence of products, services, companies, organisations, home pages or other websites on this website does not imply any endorsement nor non-endorsement thereof by ShowTime Finance. All rights not expressly granted herein are reserved by ShowTime Finance.


The ShowTime Finance website is intended to be accessed only by persons located in South Africa, and ShowTime Finance make no representation that any information, materials or functions included in this website are appropriate for use in any other jurisdiction. However, if you are unsure whether the products and services referred to on this website are available to you, please email us at info@showtimefinance.co.za

Complaints Procedure

We strive to always deliver the best service possible to all our website visitors and clients. If you feel that we have not delivered acceptable service, we encourage you to make use of our complaints procedure. We are fully committed to the Consumer Protection Act No. 68 of 2008, which ensures that we have a constructive complaints procedure. Kindly forward all complaints via email to customercare@showtimefinance.co.za. We strive to resolve all complaints within 72 hours from date of receipt.

Website Links

The provision by ShowTime Finance of a link to another website does not constitute any authorisation by ShowTime Finance to the user to access material held at that location, nor is it evidence of any endorsement by ShowTime Finance of the material held there. ShowTime Finance accept no responsibility nor liability for the privacy of your personal information and any material on such websites, as these websites are beyond our control.

Website Problems

This website has been extensively tested and should work properly at all times. However, if you experience a problem at any time, please return to the home page and try again. If the problem persists, you can contact us at 087 702 7888. Without derogating from the generality of the above, we will not be liable for:

  • any interruption, malfunction, downtime nor other failure of the website or online services, our system, databases or any of its components, for reasons beyond our control;
  • any loss nor damage with regard to customer data or other data directly or indirectly caused by malfunction of our system, third party systems, power failures, unlawful access to or theft of data, computer viruses or destructive code on our system or third party systems; programming defects;
  • any interruption, malfunction, downtime or other failure of goods or services provided by third parties, including, without limitation, third party systems such as the public, switched, telecommunication service providers, internet service providers, electricity suppliers, local authorities and certification authorities; nor
  • any event over which we have no direct control.


In the event that any provision of these Terms of Use and access to this website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions, and will be replaced by an enforceable provision that is rendered the closest to the intention underlying the unenforceable provision.


Information provided on this website is believed to be reliable when posted. However, ShowTime Finance cannot guarantee that information will be accurate, complete and current at all times. All information on this website is subject to modification from time to time without notice.

Governing Laws

The Terms of Use of this website shall be governed by and construed in accordance with the laws of South Africa.

Legal Disclaimer

While we have taken care to ensure that the content of this website is accurate, this website, and the services accessible on or via this website, are provided ‘as is’, and your use of and reliance on the information on this website and the online services is entirely at your own risk.

We do not represent nor warrant that this website, any tools (such as calculators), software, advice, opinion, statement, information, content or online services will be error-free or will meet any particular criteria of accuracy, completeness, reliability, performance or quality. You acknowledge that any reliance upon any such tools, software, advice, opinion, statement or information shall be at your own risk. We reserve the right, in our sole discretion, to correct any errors or omissions in any portion of this website.

Information, ideas and opinions expressed on this website should not be regarded as professional advice nor our official opinion. You are strongly advised to seek professional advice before taking any course of action related to them. Accordingly, you are strongly advised to consult us or your professional adviser before trading or acting on such information. Calculators supplied on this website are for indicative values only, and we shall not be responsible nor liable for any inaccuracies or miscalculations arising out of defects or incorrect use.

To the fullest extent permissible by law, we expressly disclaim all (express and implied) warranties, including, without limitation, warranties of merchantability, title, and fitness for a particular purpose, non-infringement, compatibility, security and accuracy in respect of this website and the services accessible on this website. While we take all reasonable precautions to prevent this, we do not warrant that the website nor any software available for download via the website is free of viruses or destructive code.

We, our officers, directors, employees, servants, affiliates, shareholders, agents, consultants and employees (in whose favour this constitutes a stipulation for the benefit of another) shall not be liable for, and you hereby indemnify us against any direct, indirect, special, incidental, consequential or punitive damages or loss of any kind whatsoever or howsoever caused (whether arising under contract, delict or otherwise, and whether the loss was actually foreseen or reasonably foreseeable) arising out of your use of this website, or the online services or the information contained on this website, or your inability to use this website or the online services.

In Conclusion

We strongly recommend that you only borrow what you can afford to repay within the loan terms. Our short-term solutions are not intended to meet your long-term, financial needs.

ShowTime Finance is not a lender and do not make cash advances nor credit decisions.

This website will match you with a lender based on the information that you have provided in your application. Cash transfers may vary between lenders, and in some instances email,faxing and uploading of documents may be required. In certain instances, a credit check may be conducted using your South African identity number to check your credit history and share your information with any of our partners to ascertain suitability for our product for as long as you’re a client of ShowTime Finance. Completion of the application in no way guarantees that you will be approved for the loan requested.


We recommend installing our Loan App & Use it to Apply for your Loan!

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