Car insurance that works for you
Whatever car you drive, getting the right car insurance that works for your vehicle and your budget is crucial. But what exactly are the different types of car insurance options available and how much will it cost?[/et_pb_text][et_pb_button button_url=”/insurance/vehicle/” button_text=”Apply now” button_alignment=”left” button_alignment_tablet=”” button_alignment_phone=”center” button_alignment_last_edited=”on|desktop” disabled_on=”off|off|off” _builder_version=”4.6.2″ custom_button=”on” button_text_size=”14px” button_text_color=”#211c5c” button_bg_color=”#86fac2″ button_border_width=”0px” button_border_radius=”30px” button_font=”|700|||||||” button_use_icon=”off” custom_margin=”||11%||false|false” custom_padding=”14px|30px|14px|30px|true|true” hover_enabled=”0″ sticky_enabled=”0″][/et_pb_button][et_pb_text disabled_on=”on|on|on” _builder_version=”4.4.5″ text_font_size=”18px” text_font_size_tablet=”” text_font_size_phone=”12px” text_font_size_last_edited=”on|phone” disabled=”on”][/et_pb_text][et_pb_text disabled_on=”on|on|on” admin_label=”FICA Text” module_class=”third-party” _builder_version=”4.4.5″ custom_margin=”||||false|false” custom_padding=”34px||30px||false|false” custom_padding_tablet=”0px||||false|false” custom_padding_phone=”2%||2%||false|false” custom_padding_last_edited=”on|desktop” disabled=”on”]
[/et_pb_text][/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.4.5″][et_pb_image src=”https://spotmoney.com/wp-content/uploads/2020/09/Car.png” alt=”Spot Money Safe secure personal loans” title_text=”Car” align=”right” _builder_version=”4.4.5″ animation_direction=”right” border_radii=”on|22px|22px|22px|22px”][/et_pb_image][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” disabled_on=”on|on|on” _builder_version=”4.4.5″ background_color=”#ffffff” width=”80%” width_tablet=”80%” width_phone=”90%” width_last_edited=”on|tablet” max_width=”1080px” module_alignment=”center” custom_margin=”-20%||||false|false” custom_margin_tablet=”” custom_margin_phone=”-40%||||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”0px||4%||false|false” custom_padding_tablet=”” custom_padding_phone=”0px||0px||true|false” custom_css_main_element=”z-index: 8;” border_radii=”on|22px|22px|22px|22px” box_shadow_style=”preset1″ box_shadow_horizontal=”3px” box_shadow_vertical=”3px” box_shadow_blur=”17px” box_shadow_color=”rgba(161,161,161,0.3)” disabled=”on”][et_pb_row _builder_version=”4.4.5″ width_tablet=”” width_phone=”88%” width_last_edited=”on|phone” custom_padding=”65px||||false|false” custom_css_main_element=”z-index: 9;”][et_pb_column type=”4_4″ _builder_version=”4.4.5″][et_pb_text _builder_version=”4.4.5″ text_text_color=”#211c5c” text_font_size=”18px” text_line_height=”1.6em” header_2_text_color=”#211c5c”]
Why is home insurance important?
We know a house isn’t just a bunch of bricks. It’s four walls and a roof that provides a home for your family. We also know you’ve spent a lot of time and money on making it a home. If something happened to your home and all your stuff tomorrow, would you be able to replace everything? If not, well… that’s why home insurance is important.
Not only does it protect the things you’ve worked so hard for, but it also comes with a range of benefits. With affordable and flexible home insurance from Spot Money, you can make sure your building, home contents and portable possessions are safe and protected.
[/et_pb_text][et_pb_button button_url=”/insurance/applications/” button_text=”Apply now” button_alignment=”center” button_alignment_tablet=”” button_alignment_phone=”center” button_alignment_last_edited=”on|desktop” disabled_on=”off|off|off” _builder_version=”4.4.5″ custom_button=”on” button_text_size=”14px” button_text_color=”#211c5c” button_bg_color=”#86fac2″ button_border_width=”0px” button_border_radius=”30px” button_font=”|700|||||||” button_use_icon=”off” custom_margin=”1em||||false|false” custom_margin_tablet=”” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”14px|60px|14px|60px|true|true”][/et_pb_button][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” _builder_version=”4.4.5″ background_color=”rgba(0,0,0,0)” width_tablet=”” width_phone=”90%” width_last_edited=”on|phone” module_alignment=”center” custom_margin=”-20%||||false|false” custom_margin_tablet=”” custom_margin_phone=”-40%||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”0px||0px||false|false” custom_padding_tablet=”” custom_padding_phone=”||0px||false|false” custom_css_main_element=”z-index: 8;”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” custom_padding_last_edited=”on|phone” _builder_version=”4.6.2″ background_color=”#ffffff” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” custom_margin=”||||false|false” custom_margin_tablet=”” custom_margin_phone=”” custom_margin_last_edited=”on|tablet” custom_padding=”75px||75px||true|false” custom_padding_tablet=”15px|25px|15px|25px|true|false” custom_padding_phone=”2%|16px|0px|16px|false|false” border_radii=”on|32px|32px|32px|32px” box_shadow_style=”preset1″ box_shadow_horizontal=”3px” box_shadow_vertical=”3px” box_shadow_blur=”17px” box_shadow_color=”rgba(161, 161, 161, 0.3);”][et_pb_column type=”1_2″ _builder_version=”4.4.5″ custom_padding=”||||false|false” border_radii=”on|0px|0px|0px|0px”][et_pb_text disabled_on=”on|on|off” admin_label=”Desktop Heading” _builder_version=”4.4.5″ text_text_color=”#211c5c” text_font_size=”18px” header_2_text_align=”right” header_2_text_color=”#211c5c” background_enable_image=”off” background_size=”contain” text_orientation=”right” min_height=”100%” custom_margin=”||||false|false” custom_padding=”|60px||15%|false|false” header_2_text_align_tablet=”” header_2_text_align_phone=”center” header_2_text_align_last_edited=”on|desktop” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_color_all=”#86fac2″ border_width_right=”3px” border_color_right=”#86fac2″]Why do I need car insurance?
[/et_pb_text][et_pb_text disabled_on=”off|off|on” admin_label=”Mobile Heading” _builder_version=”4.4.5″ text_text_color=”#86fac2″ text_font_size=”18px” header_2_text_align=”right” header_2_text_color=”#211c5c” background_enable_image=”off” background_size=”contain” text_orientation=”right” width_tablet=”80%” width_phone=”” width_last_edited=”on|tablet” module_alignment=”center” min_height=”100%” custom_margin=”||||false|false” custom_padding=”30px|35px|30px|35px|true|true” header_2_text_align_tablet=”” header_2_text_align_phone=”center” header_2_text_align_last_edited=”on|desktop” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_width_right=”0px” border_color_right=”#86fac2″ border_width_bottom=”3px” border_color_bottom=”#86fac2″]Why do I need car insurance?
[/et_pb_text][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.6.2″ custom_padding=”|6%|||false|false” custom_padding_tablet=”” custom_padding_phone=”|0%|||false|false” custom_padding_last_edited=”on|phone”][et_pb_text module_class=”sub-body” _builder_version=”4.6.2″ text_text_color=”#211c5c” text_font_size=”18px” width_tablet=”80%” width_phone=”90%” width_last_edited=”on|phone” module_alignment=”center” custom_margin=”|13%|||false|false” custom_margin_tablet=”|0%||0px|false|false” custom_margin_phone=”|0px|||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”||||false|false” custom_padding_tablet=”” custom_padding_phone=”||||false|false” custom_padding_last_edited=”on|phone” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|phone”]Your car is more than just something to help get you around. It’s an extension of you and a key part of your life. But accidents, breakdowns, and theft happen. And usually at the worst and most unforeseen times. If you own a vehicle, car insurance is just one of those things you’ll need to have. It protects you financially and gives you the peace of mind in case something happens.
If you have a car and you drive, it’s a statistical probability that you’ll reverse into something at some point – whether it’s your fault or not. So it makes sense to reverse knowing that if you bump a lamppost or a Lamborghini, you won’t break the bank. Just your bumper. Having insurance helps with paying the unexpected costs of fixing or replacing your or someone else’s.
[/et_pb_text][et_pb_button button_url=”/insurance/vehicle/” button_text=”Apply now” button_alignment=”center” button_alignment_tablet=”” button_alignment_phone=”center” button_alignment_last_edited=”on|desktop” disabled_on=”off|off|off” _builder_version=”4.6.2″ custom_button=”on” button_text_size=”14px” button_text_color=”#211c5c” button_bg_color=”#86fac2″ button_border_width=”0px” button_border_radius=”30px” button_font=”|700|||||||” button_use_icon=”off” custom_margin=”1em|12%|||false|false” custom_margin_tablet=”|0%|45px||false|false” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”14px|30px|14px|30px|true|true” custom_padding_tablet=”” custom_padding_phone=”” custom_padding_last_edited=”on|desktop” hover_enabled=”0″ sticky_enabled=”0″][/et_pb_button][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” _builder_version=”4.4.5″ background_enable_color=”off” width_tablet=”” width_phone=”90%” width_last_edited=”on|phone” module_alignment=”center” custom_padding=”||||false|false” custom_padding_tablet=”” custom_padding_phone=”||24px||false|false”][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.4.5″ background_color=”#211c5c” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” custom_padding=”65px||65px||true|false” custom_padding_tablet=”” custom_padding_phone=”45px||45px||true|false” border_radii=”on|23px|23px|23px|23px” box_shadow_style=”preset1″ box_shadow_horizontal=”3px” box_shadow_vertical=”3px” box_shadow_blur=”17px” box_shadow_color=”rgba(161,161,161,0.3)”][et_pb_column type=”4_4″ _builder_version=”4.4.5″][et_pb_text disabled_on=”off|off|off” _builder_version=”4.4.5″ text_font_size=”18px” background_enable_image=”off” background_size=”contain” background_position=”bottom_center” width=”80%” width_tablet=”80%” width_phone=”88%” width_last_edited=”on|tablet” module_alignment=”center” custom_margin=”||||false|false” text_font_size_tablet=”” text_font_size_phone=”15px” text_font_size_last_edited=”on|phone”]How it works
Part of our job at Spot is to help find you car insurance offers based on your credit score. So, let’s say you’ve just bought a new car. Maybe it’s your first or your 100th car, either way, it’s majestic. But what if it gets bumped? You’ll need insurance. STAT. So you Google ‘super affordable car cover’. And once you find us, we find you a bunch of your best offers. You can then select the insurance that suits you and whoever that’s with, well, they pay us – think of it as a finder’s fee. Easy.
[/et_pb_text][et_pb_button button_url=”/insurance/vehicle/” button_text=”Apply now” button_alignment=”center” button_alignment_tablet=”” button_alignment_phone=”center” button_alignment_last_edited=”on|desktop” disabled_on=”off|off|off” _builder_version=”4.6.2″ custom_button=”on” button_text_size=”14px” button_text_color=”#211c5c” button_bg_color=”#86fac2″ button_border_width=”0px” button_border_radius=”30px” button_font=”|700|||||||” button_use_icon=”off” custom_margin=”||||false|false” custom_margin_tablet=”” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”14px|60px|14px|60px|true|true” hover_enabled=”0″ sticky_enabled=”0″][/et_pb_button][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=” ” _builder_version=”4.4.5″ width_tablet=”” width_phone=”90%” width_last_edited=”on|phone” module_alignment=”center” custom_padding=”0px||||false|false” custom_padding_tablet=”” custom_padding_phone=”||16px||false|false”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” custom_padding_last_edited=”on|phone” _builder_version=”4.6.2″ background_color=”#ffffff” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” custom_margin=”||||false|false” custom_margin_tablet=”” custom_margin_phone=”” custom_margin_last_edited=”on|tablet” custom_padding=”75px||75px||true|false” custom_padding_tablet=”15px|25px|15px|25px|true|false” custom_padding_phone=”2%|16px|0px|16px|false|false” border_radii=”on|32px|32px|32px|32px” box_shadow_style=”preset1″ box_shadow_horizontal=”3px” box_shadow_vertical=”3px” box_shadow_blur=”17px” box_shadow_color=”rgba(161, 161, 161, 0.3);”][et_pb_column type=”1_2″ _builder_version=”4.4.5″ custom_padding=”||||false|false” border_radii=”on|0px|0px|0px|0px”][et_pb_text disabled_on=”on|on|off” admin_label=”Desktop Heading” _builder_version=”4.4.5″ text_text_color=”#211c5c” text_font_size=”18px” header_2_text_align=”right” header_2_text_color=”#211c5c” background_enable_image=”off” background_size=”contain” text_orientation=”right” min_height=”100%” custom_margin=”||||false|false” custom_padding=”|60px||20%|false|false” header_2_text_align_tablet=”” header_2_text_align_phone=”center” header_2_text_align_last_edited=”on|desktop” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_color_all=”#86fac2″ border_width_right=”3px” border_color_right=”#86fac2″]How much will car insurance cost?
[/et_pb_text][et_pb_text disabled_on=”off|off|on” admin_label=”Mobile Heading” _builder_version=”4.4.5″ text_text_color=”#86fac2″ text_font_size=”18px” header_2_text_align=”right” header_2_text_color=”#211c5c” background_enable_image=”off” background_size=”contain” text_orientation=”right” width_tablet=”80%” width_phone=”” width_last_edited=”on|tablet” min_height=”100%” custom_margin=”||||false|false” custom_padding=”30px|35px|30px|35px|true|true” header_2_text_align_tablet=”” header_2_text_align_phone=”center” header_2_text_align_last_edited=”on|desktop” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” module_alignment_tablet=”center” module_alignment_phone=”” module_alignment_last_edited=”on|tablet” border_width_right=”0px” border_color_right=”#86fac2″ border_width_bottom=”3px” border_color_bottom=”#86fac2″]How much will car insurance cost?
[/et_pb_text][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.6.2″ custom_padding=”|6%|||false|false” custom_padding_tablet=”” custom_padding_phone=”|0%|||false|false” custom_padding_last_edited=”on|phone”][et_pb_text module_class=”sub-body” _builder_version=”4.6.2″ text_text_color=”#211c5c” text_font_size=”18px” width_tablet=”80%” width_phone=”90%” width_last_edited=”on|tablet” module_alignment=”center” custom_margin=”|12%|||false|false” custom_margin_tablet=”|0%||0px|false|false” custom_margin_phone=”|0px|||false|false” custom_margin_last_edited=”on|phone” custom_padding=”||||false|false” custom_padding_tablet=”” custom_padding_phone=”||25px||false|false” custom_padding_last_edited=”on|phone” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|phone”]Based on your specific needs, your car and the premiums you can afford, there are different insurance options to choose from. If you’re insuring a brand new car, for example, your insurance will be a bit more expensive than with a second-hand car. The cost will depend more on the type of car, who your insurance provider is, and other personal information like your age and how long you’ve been driving. Take a look at some of the more common car insurance options available below and choose the option that’ll suit your car and budget the best.
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If you want the most extensive form of insurance that’ll protect you for just about any type of loss or damage to your car, this option is for you. Comprehensive car insurance will cover you against accidents, theft, hijacking, damages caused by natural disasters, damage caused by other people, and damage you caused to another person’s car in an accident. [/et_pb_text][et_pb_button button_url=”/insurance/vehicle/” button_text=”Apply now” button_alignment=”center” button_alignment_tablet=”” button_alignment_phone=”center” button_alignment_last_edited=”on|desktop” disabled_on=”off|off|off” _builder_version=”4.6.2″ custom_button=”on” button_text_size=”14px” button_text_color=”#211c5c” button_bg_color=”#86fac2″ button_border_width=”0px” button_border_radius=”30px” button_font=”|700|||||||” button_use_icon=”off” custom_margin=”||||false|false” custom_margin_tablet=”” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”14px|60px|14px|60px|true|true” hover_enabled=”0″ sticky_enabled=”0″][/et_pb_button][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” _builder_version=”4.4.5″ background_color=”#ffffff” width=”80%” width_tablet=”80%” width_phone=”90%” width_last_edited=”on|tablet” max_width=”1080px” module_alignment=”center” custom_margin=”||0px||false|false” custom_margin_tablet=”” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”||0px||false|false” custom_padding_tablet=”” custom_padding_phone=”16px||16px||true|false” custom_css_main_element=”z-index: 8;” border_radii=”on|22px|22px|22px|22px” box_shadow_style=”preset1″ box_shadow_horizontal=”3px” box_shadow_vertical=”3px” box_shadow_blur=”17px” box_shadow_color=”rgba(161,161,161,0.3)”][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.4.5″ background_enable_color=”off” width_tablet=”” width_phone=”88%” width_last_edited=”on|phone” custom_margin_tablet=”” custom_margin_phone=”” custom_margin_last_edited=”on|desktop” custom_padding=”0px||||false|false” custom_padding_tablet=”” custom_padding_phone=”45px||||false|false” custom_css_main_element=”z-index: 9;”][et_pb_column type=”4_4″ _builder_version=”4.4.5″][et_pb_text _builder_version=”4.4.5″ text_text_color=”#211c5c” text_font_size=”18px” text_line_height=”1.6em” header_2_text_color=”#211c5c” text_font_size_tablet=”” text_font_size_phone=”15px” text_font_size_last_edited=”on|phone”]
Third-party, fire, and theft
If your budget is a little lower or comprehensive insurance is just not worth it for you, consider third-party, fire and theft cover for a more affordable option. This protects your car against theft, hijacking, damages due to fire and damages you caused to someone else’s car in an accident.
[/et_pb_text][et_pb_button button_url=”/insurance/vehicle/” button_text=”Apply now” button_alignment=”center” button_alignment_tablet=”” button_alignment_phone=”center” button_alignment_last_edited=”on|desktop” disabled_on=”off|off|off” admin_label=”Button” _builder_version=”4.6.2″ custom_button=”on” button_text_size=”14px” button_text_color=”#211c5c” button_bg_color=”#86fac2″ button_border_width=”0px” button_border_radius=”30px” button_font=”|700|||||||” button_use_icon=”off” custom_margin=”||||false|false” custom_margin_tablet=”” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”14px|60px|14px|60px|true|true” hover_enabled=”0″ sticky_enabled=”0″][/et_pb_button][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” _builder_version=”4.4.5″ background_enable_color=”off” width_tablet=”” width_phone=”90%” width_last_edited=”on|phone” module_alignment=”center” custom_padding=”||||false|false” custom_padding_tablet=”” custom_padding_phone=”||24px||false|false”][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.4.5″ background_color=”#211c5c” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” custom_padding=”65px||65px||true|false” custom_padding_tablet=”” custom_padding_phone=”45px||45px||true|false” border_radii=”on|23px|23px|23px|23px” box_shadow_style=”preset1″ box_shadow_horizontal=”3px” box_shadow_vertical=”3px” box_shadow_blur=”17px” box_shadow_color=”rgba(161,161,161,0.3)”][et_pb_column type=”4_4″ _builder_version=”4.4.5″][et_pb_text disabled_on=”off|off|off” _builder_version=”4.4.5″ text_font_size=”18px” background_enable_image=”off” background_size=”contain” background_position=”bottom_center” width=”80%” width_tablet=”80%” width_phone=”88%” width_last_edited=”on|tablet” module_alignment=”center” custom_margin=”||||false|false” text_font_size_tablet=”” text_font_size_phone=”15px” text_font_size_last_edited=”on|phone”]Third-party only
Third-party only insurance will protect you and your wallet if you’ve been in an accident and you’ve caused damage to the other person’s car or vehicle. With this insurance, you’ll be covered for the amount you’re legally liable to the third-party.[/et_pb_text][et_pb_button button_url=”/insurance/vehicle/” button_text=”Apply now” button_alignment=”center” button_alignment_tablet=”” button_alignment_phone=”center” button_alignment_last_edited=”on|desktop” disabled_on=”off|off|off” _builder_version=”4.6.2″ custom_button=”on” button_text_size=”14px” button_text_color=”#211c5c” button_bg_color=”#86fac2″ button_border_width=”0px” button_border_radius=”30px” button_font=”|700|||||||” button_use_icon=”off” custom_margin=”||||false|false” custom_margin_tablet=”” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”14px|60px|14px|60px|true|true” hover_enabled=”0″ sticky_enabled=”0″][/et_pb_button][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” disabled_on=”on|on|on” _builder_version=”4.4.5″ width_tablet=”” width_phone=”90%” width_last_edited=”on|phone” module_alignment=”center” custom_padding_tablet=”” custom_padding_phone=”16px||16px||false|false” disabled=”on”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” custom_padding_last_edited=”on|tablet” _builder_version=”4.4.5″ background_color=”#211c5c” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” custom_margin=”||||false|false” custom_margin_tablet=”” custom_margin_phone=”” custom_margin_last_edited=”on|desktop” custom_padding=”75px||75px||true|false” custom_padding_tablet=”|16px||16px|true|false” custom_padding_phone=”2%|25px|0px|25px|false|false” border_radii=”on|23px|23px|23px|23px”][et_pb_column type=”1_2″ _builder_version=”4.4.5″ custom_padding=”||||false|false” border_radii=”off|23px|||”][et_pb_text disabled_on=”on|on|off” admin_label=”Desktop Header” _builder_version=”4.4.5″ text_font=”|700|||||||” text_text_color=”#ffffff” text_font_size=”18px” header_text_color=”#ffffff” header_2_text_align=”right” header_6_font=”|700|||||||” header_6_text_color=”#ffffff” header_6_font_size=”20px” header_6_line_height=”1.7em” background_enable_image=”off” background_size=”contain” text_orientation=”right” min_height=”100%” custom_margin=”||||false|false” custom_padding=”|60px||20%|false|false” header_2_text_align_tablet=”” header_2_text_align_phone=”center” header_2_text_align_last_edited=”on|desktop” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_color_top=”#211c5c” border_width_right=”3px” border_color_right=”#86fac2″]
What’s a personal loan?
[/et_pb_text][et_pb_text disabled_on=”off|off|on” admin_label=”Mobile Header” _builder_version=”4.4.5″ text_text_color=”#86fac2″ text_font_size=”18px” header_2_text_align=”right” background_enable_image=”off” background_size=”contain” text_orientation=”right” min_height=”100%” custom_margin=”||||false|false” custom_padding=”35px|20px|35px|20px|true|true” header_2_text_align_tablet=”” header_2_text_align_phone=”center” header_2_text_align_last_edited=”on|desktop” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_width_right=”0px” border_color_right=”#86fac2″ border_width_bottom=”3px” border_color_bottom=”#86fac2″]What’s a personal loan?
[/et_pb_text][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.4.5″ custom_padding=”||||false|false”][et_pb_text admin_label=”Body Text” module_class=”sub-body” _builder_version=”4.4.5″ text_text_color=”#ffffff” text_font_size=”15px” custom_margin=”|12%|||false|false” custom_margin_tablet=”|2%|||false|false” custom_margin_phone=”|2%|||false|false” custom_margin_last_edited=”on|tablet” custom_padding=”||||false|false” custom_padding_tablet=”” custom_padding_phone=”||25px||false|false” custom_padding_last_edited=”on|phone” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet”]A personal loan is a flexible, short or moderate term loan that you can use to make sure you and your family’s needs are taken care of. These loans are paid back in monthly instalments with interest, over a maximum of seven years.[/et_pb_text][et_pb_button button_url=”/loans/applications/” button_text=”Apply now” button_alignment=”center” button_alignment_tablet=”” button_alignment_phone=”center” button_alignment_last_edited=”on|desktop” disabled_on=”off|off|off” _builder_version=”4.4.5″ custom_button=”on” button_text_size=”14px” button_text_color=”#211c5c” button_bg_color=”#86fac2″ button_border_width=”0px” button_border_radius=”30px” button_font=”|700|||||||” button_use_icon=”off” custom_margin=”|12%|||false|false” custom_margin_tablet=”” custom_margin_phone=”|0%|45px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”14px|30px|14px|30px|true|true”][/et_pb_button][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” disabled_on=”on|on|on” _builder_version=”4.4.5″ background_color=”#ffffff” width=”80%” width_tablet=”80%” width_phone=”90%” width_last_edited=”on|tablet” max_width=”1080px” module_alignment=”center” custom_margin=”||54px||false|false” custom_margin_tablet=”” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”||||false|false” custom_padding_tablet=”” custom_padding_phone=”16px||16px||true|false” custom_css_main_element=”z-index: 8;” border_radii=”on|22px|22px|22px|22px” box_shadow_style=”preset1″ box_shadow_horizontal=”3px” box_shadow_vertical=”3px” box_shadow_blur=”17px” box_shadow_color=”rgba(161,161,161,0.3)” disabled=”on”][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.4.5″ width_tablet=”” width_phone=”88%” width_last_edited=”on|phone” custom_padding=”0px||||false|false” custom_padding_tablet=”” custom_padding_phone=”45px||||false|false” custom_css_main_element=”z-index: 9;”][et_pb_column type=”4_4″ _builder_version=”4.4.5″][et_pb_text admin_label=”What do i need” _builder_version=”4.4.5″ text_text_color=”#211c5c” text_font_size=”18px” text_line_height=”1.6em” header_2_text_color=”#211c5c”]
What do I need?
When you’re applying for a personal loan, you need to be able to provide the following docs:
[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ admin_label=”Row” module_class=”loans-blurbs” _builder_version=”4.4.5″][et_pb_column type=”1_4″ _builder_version=”4.4.5″][et_pb_blurb image=”https://spotmoney.com/wp-content/uploads/2020/08/1.ID-01.svg” _builder_version=”4.4.5″ header_text_align=”center” header_text_color=”#211c5c” body_text_color=”#211c5c” body_font_size=”18px” body_font_size_tablet=”” body_font_size_phone=”15px” body_font_size_last_edited=”on|phone”]Your ID (and you must be 18 years and older).
[/et_pb_blurb][/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.4.5″][et_pb_blurb image=”https://spotmoney.com/wp-content/uploads/2020/08/2.-Proof-of-residence-01.svg” _builder_version=”4.4.5″ header_text_align=”center” header_text_color=”#211c5c” body_text_color=”#211c5c” body_font_size=”18px” body_font_size_tablet=”” body_font_size_phone=”15px” body_font_size_last_edited=”on|phone”]Proof of residence, which could be a utility bill that has your name and address.
[/et_pb_blurb][/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.4.5″][et_pb_blurb image=”https://spotmoney.com/wp-content/uploads/2020/08/3.-Salary-slip-01.svg” _builder_version=”4.4.5″ header_text_align=”center” header_text_color=”#211c5c” body_text_color=”#211c5c” body_font_size=”18px” body_font_size_tablet=”” body_font_size_phone=”15px” body_font_size_last_edited=”on|phone”]Your latest salary slip.
[/et_pb_blurb][/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.4.5″][et_pb_blurb image=”https://spotmoney.com/wp-content/uploads/2020/08/4.-Bank-statement-01.svg” _builder_version=”4.4.5″ header_text_align=”center” header_text_color=”#211c5c” body_text_color=”#211c5c” body_font_size=”18px” body_font_size_tablet=”” body_font_size_phone=”15px” body_font_size_last_edited=”on|phone”]3-month bank statements (showing your three most recent salary deposits).
[/et_pb_blurb][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.4.5″][et_pb_column type=”4_4″ _builder_version=”4.4.5″][et_pb_button button_url=”/loans/applications/” button_text=”Apply now” button_alignment=”center” button_alignment_tablet=”” button_alignment_phone=”center” button_alignment_last_edited=”on|desktop” disabled_on=”off|off|off” _builder_version=”4.4.5″ custom_button=”on” button_text_size=”14px” button_text_color=”#211c5c” button_bg_color=”#86fac2″ button_border_width=”0px” button_border_radius=”30px” button_font=”|700|||||||” button_use_icon=”off” custom_margin=”||||false|false” custom_margin_tablet=”” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”14px|60px|14px|60px|true|true”][/et_pb_button][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” disabled_on=”on|on|on” _builder_version=”4.4.5″ background_enable_color=”off” width_tablet=”” width_phone=”90%” width_last_edited=”on|phone” module_alignment=”center” custom_padding=”0px||||false|false” custom_padding_tablet=”” custom_padding_phone=”||24px||false|false” disabled=”on”][et_pb_row _builder_version=”4.4.5″ background_color=”#211c5c” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” custom_padding=”65px||65px||true|false” border_radii=”on|23px|23px|23px|23px” box_shadow_style=”preset1″ box_shadow_horizontal=”3px” box_shadow_vertical=”3px” box_shadow_blur=”17px” box_shadow_color=”rgba(161,161,161,0.3)”][et_pb_column type=”4_4″ _builder_version=”4.4.5″][et_pb_text disabled_on=”off|off|off” _builder_version=”4.4.5″ text_font_size=”18px” background_enable_image=”off” background_size=”contain” background_position=”bottom_center” width=”80%” width_tablet=”” width_phone=”88%” width_last_edited=”on|phone” module_alignment=”center” custom_margin=”||||false|false” text_font_size_tablet=”” text_font_size_phone=”15px” text_font_size_last_edited=”on|phone”]Things to consider when applying for a personal loan
If you’re not sure whether a loan is the best option for you or if you’d be able to afford it, here are a few important things to think about:
- You choose your own loan amount, but we’ll look at your credit score to determine how much you can afford.
- The repayment period can vary between 1 month and 84 months. In other words, the max amount of time it can take for you to repay your loan is 7 years.
- When selecting a loan offer, go for the monthly instalments that suit your personal budget or the offer that gives you the best interest rate.
- Your interest rate will depend on your credit score and starts at a minimum of 7% per year.
- The sooner you’re able to repay your personal loan, the less interest you’ll pay. This has a positive effect on your credit score.
Spend more time living and less time banking.
Spot is so much more than an app with a free mobile transaction account. It opens the door to an open banking marketplace where you’ll get served up hyper-personalised offers for loans, insurance, credit cards, and lifestyle products.
[/et_pb_text][et_pb_text disabled_on=”on|on|off” admin_label=”Desktop Heading Text” _builder_version=”4.4.5″ text_text_color=”#86fac2″ text_font_size=”18px” custom_margin=”|10%|||false|false” custom_margin_tablet=”|0%||0px|false|false” custom_margin_phone=”|2%|||false|false” custom_margin_last_edited=”on|desktop” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone”]Spend more time living and less time banking.
[/et_pb_text][et_pb_text disabled_on=”on|on|off” admin_label=”Desktop Body Text” module_class=”sub-body” _builder_version=”4.4.5″ text_text_color=”#ffffff” text_font_size=”18px” custom_margin=”|10%||0px|false|false” custom_margin_tablet=”|0px|||false|false” custom_margin_phone=”|2%|||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”||30px||false|false” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone”]With Spot, you can scan any QR code to pay, instantly share accounts with friends and family, safely shop online with virtual cards, and shop personalised loans, insurance, and reward offers. All in your app. In seconds. Yeehaw.[/et_pb_text][et_pb_toggle title=”Get Spot” open_toggle_text_color=”#ffffff” open_toggle_background_color=”rgba(0,0,0,0)” disabled_on=”on|off|off” admin_label=”Get SpotSMS Toggle” module_class=”home-toggle” _builder_version=”4.6.1″ title_text_color=”#211c5c” title_level=”h6″ title_font=”|700|||||||” title_text_align=”center” title_font_size=”16px” body_font_size=”11px” body_line_height=”1.4em” background_color=”#86fac2″ max_width=”232px” module_alignment=”left” module_alignment_tablet=”center” module_alignment_phone=”” module_alignment_last_edited=”on|desktop” border_radii=”on|30px|30px|30px|30px” global_module=”199″ saved_tabs=”all”]
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Spot app is an offering by Spot Money SA (Pty) Ltd (2005/016196/07) in association with Bidvest Bank Ltd (2000/006478/06), an authorised FSP and credit provider.
[/et_pb_text][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.4.5″ custom_padding=”0px||||false|false”][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”grey footer” _builder_version=”4.4.5″ background_color=”#252525″ custom_padding=”0px||0px||true|false” global_module=”335″ saved_tabs=”all”][et_pb_row _builder_version=”4.4.5″ custom_padding=”0px||0px||true|false”][et_pb_column type=”4_4″ _builder_version=”4.4.5″][et_pb_text admin_label=”© Copyright Spot Money SA (Pty) Ltd 2020″ module_class=”spot-bottom-bar” _builder_version=”4.4.5″ text_font_size=”10px” text_line_height=”2.7em” background_layout=”dark” width=”60%” width_tablet=”” width_phone=”” width_last_edited=”on|desktop” module_alignment=”left”]© Copyright Spot Money SA (Pty) Ltd 2020
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