Address: Advice on Debenture and Interest Ltd., No 1 Oxbow, Crescent, Frosterley Park, Centuryway, Century City, 7441, Cape Town, South Africa. Tel: +27 (0)21 521 1498
Advice on Debenture and Interest Ltd.


Entrepreneurs require this type of loan for meeting up the working capital requirements. An overdraft facility offers a flexible funding arrangement up to an agreed maximum, which mostly allows one to spend more money from his cheque account than one really has.

Eligible criteria for Overdraft loan:

  • You should have an active ADIN Cheque Account
  • You must have good credit record

Interest cost and other arrangements

  • Interest is charged monthly on your outstanding overdraft balance.
  • Once your request has been submitted, individual interest rate will be considered for you.
  • The amount you apply for, and the interest rate, will depend on your credit scoring and profile
  • You have to ensure monthly deposits into your account.

How to apply

Please submit the complete application form, along with the required documents, at your nearest ADIN branch office.