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I hereby notify you of my decision to terminate the contract relating to the Easyfin service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Easyfin: Complete Guide
What is Easyfin
Overview
Easyfin is a South Africa - focused digital loan brokerage and subscription service that assists users to source personal loans and provides a membership platform.
The service combines a once-off registration charge and a recurring monthly subscription for access to its loan-directory and membership benefits.
How the service is offered
Easyfin acts as a brokerage/directory rather than a direct lender, matching applicants to potential lenders and credit options.
Subscriptions may be taken via the EasyFin Loans web process (using a DebiCheck mandate) or through the EasyFin mobile apps (Apple App Store / Google Play).
How to cancel Easyfin
Canceling a DebiCheck/web subscription
- Review the mandate details you signed (Authority and Mandate) to confirm what you authorised.
- Contact Easyfin customer support in writing or by their provided contact channels to revoke the DebiCheck mandate and request cancellation of the subscription.
- Allow any required notice period; Easyfin states monthly subscriptions can be cancelled with 30 days' notice.
Canceling an app-store subscription
- If you subscribed via Apple App Store, open your Apple ID subscription management and cancel the Easyfin subscription there.
- If you subscribed via Google Play, cancel the subscription in your Google Play account subscriptions page.
- App-store subscriptions are managed by Apple or Google; Easyfin refers users to those platforms for cancellations and refunds of purchases made through them.
What happens when you cancel
Access and features
After cancellation, your membership access typically continues until the end of the current paid period unless otherwise stated by Easyfin.
If you cancel an app-store subscription, access usually remains until the subscription expiry on that platform.
Mandate and underlying agreement
Cancelling a DebiCheck mandate or subscription does not automatically cancel any separate loan agreement you have signed with a lender.
Easyfin explicitly states that cancelling the authority/mandate does not cancel the underlying agreement and does not guarantee refunds for legally owed amounts withdrawn while the mandate was active.
Will I get a refund?
Refunds for amounts lawfully collected
Easyfin's policy states you are not entitled to refunds for amounts that were lawfully withdrawn while a mandate was in force.
This means legally owing deductions taken under the mandate are not refundable simply because you later cancelled the mandate.
App-store refunds and cooling-off
- For subscriptions purchased through Apple or Google, refunds and cooling-off are governed by Apple App Store and Google Play policies, not by Easyfin directly.
- There is no explicit 14‑day cooling-off period mentioned by Easyfin; consumers should check Apple/Google rules and South African consumer law for any applicable rights.
Easyfin plans and pricing
Summary of fees
Below are the pricing items Easyfin lists for registration and the monthly subscription.
Fees apply regardless of loan approval; the registration fee is charged on the next salary date or split if collection fails.
| Plan | Price | Period | Features |
|---|---|---|---|
| Registration Fee | R250.00 | Once-off | Covers cost of sourcing a loan via the directory service |
| Subscription Fee | R98.00 | Monthly | Membership access to Credfin Group benefits and loan platform |
Your consumer rights in South Africa
Key laws that may apply
South African consumers are protected by the National Credit Act (NCA) and the Consumer Protection Act (CPA), which set rules for credit agreements and fair business practices.
These laws include rights around disclosure, fair billing and certain cooling-off periods for some direct-sell credit agreements.
How rights interact with Easyfin's model
- Because Easyfin operates as a brokerage/directory and charges registration/subscription fees, consumers should verify whether those agreements qualify as credit agreements under the NCA.
- If you believe your rights under the NCA or CPA have been infringed, you may lodge a complaint with the National Credit Regulator (NCR) or the National Consumer Commission (NCC).
Customer experiences
Positive reports
Some reviews indicate Easyfin appears legitimate, noting long operating history, competitive rates and a brokerage role that helps applicants access lenders.
Users have highlighted the platform's ability to assist those with challenged credit histories in finding potential loan options.
Negative reports and cautions
There are reports of agents requesting additional non-refundable fees (for example transfer or insurance fees) and subsequent poor follow-up after payment.
Third‑party evaluators rate the site medium‑risk and advise exercising caution despite legitimate‑looking features such as SSL and established branding.
Documentation checklist
Typical documents you may need
- South African ID or passport copy.
- Latest payslips (usually 1 - 3 months) or proof of income.
- Recent bank statements (typically 3 months).
- Proof of residence (utility bill or affidavit).
Mandates and subscription details
- Copy of the DebiCheck/authority mandate you signed online.
- Subscription confirmation, receipts for R250 registration and R98 monthly charges.
- Any written communications with Easyfin or agents (emails, SMS, call logs).
Common mistakes
Assuming cancellation cancels all obligations
Many customers expect that cancelling a mandate stops all liabilities; however, cancelling the payment mandate does not cancel separate loan agreements or make previously collected lawful amounts refundable.
Always confirm whether any loan agreement or other contract remains enforceable after you cancel a mandate.
Paying third‑party fees without verification
Reports indicate some people paid additional non‑refundable fees to agents and then experienced delays or silence.
Always verify who you are paying, request receipts, and confirm fee necessity before making any payment to individuals or third parties.
Comparative recap
At-a-glance comparison
| Feature | Easyfin | App-store subscription (Apple/Google) |
|---|---|---|
| Upfront fee | R250 registration (once-off) | Varies by app; usually none specific to registration |
| Recurring fee | R98 per month | Managed per platform; may auto‑renew |
| Refund policy | No refunds for legally owing amounts withdrawn while mandate active | Refunds governed by Apple/Google policies |
| Cancellation notice | 30 days' notice for monthly subscription | Cancel via Apple/Google subscription settings |
After cancelling
Immediate steps to take
Obtain written confirmation of cancellation from Easyfin and keep records of the date and any reference numbers.
Check your bank statements to confirm no further authorised collections occur after the effective cancellation date.
If you have disputes or unresolved charges
- Contact Easyfin in writing first and request clarification or reversal if you believe an amount was wrongly collected.
- If unresolved, consider lodging a complaint with the National Credit Regulator (NCR) or the National Consumer Commission (NCC).
Address
Physical address
Unit 602, Sixth Floor, Waterfront Terraces Block 1, Tyger Waterfront, Carl Cronje Drive, Bellville, 7530, Cape Town, South Africa
Notes
Keep copies of all correspondence and receipts when dealing with cancellations or disputes.
This guide summarises Easyfin's stated policies and common consumer considerations; for specific legal advice contact a consumer law professional or the relevant South African regulator.