Financial Relief After a Road Accident
A serious road accident can turn your world upside down — physically, emotionally, and financially. You may have a valid Road Accident Fund (RAF) claim, but waiting months or even years for your payout can leave you struggling to cover basic expenses. That’s where RAF loans, also known as Road Accident Fund bridging loans, come in.
At New Heights Finance, we help South Africans get access to a portion of their pending RAF compensation fast — so they can focus on recovery, not red tape.
What Is a Road Accident Fund (RAF) Loan?
A RAF loan is a short-term financial advance provided to people with a confirmed Road Accident Fund claim awaiting payout. When the RAF takes time to process your compensation, a bridging loan gives you early access to part of the funds you’re already entitled to receive.
Once your RAF payout is released, the loan is automatically repaid from that amount. In other words — it’s a safe, fast, and flexible way to bridge the waiting period between claim approval and actual payment.
How a RAF Bridging Loan Works
Here’s exactly how the process works with New Heights Finance:
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Submit Your Application
You can apply online or through your attorney. We’ll need:-
Copy of your South African ID
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RAF claim reference number
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Proof of expected payout or attorney letter
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Verification & Assessment
Our team verifies your claim details directly with your legal representative or the RAF. -
Fast Approval
Once your claim is confirmed, your loan is approved — often within 24 hours. -
Funds Released
You receive the money straight into your account — often the same day. -
Automatic Repayment
When the RAF releases your compensation, the loan amount (plus agreed costs) is settled automatically.
✅ No stress. No monthly repayments. No long-term debt.
Who Qualifies for a RAF Loan in South Africa?
You can apply for a Road Accident Fund bridging loan if:
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You have a valid, settled RAF claim awaiting payment.
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Your claim is being handled by a registered attorney or law firm.
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You can provide documentation confirming your payout.
Even if your attorney is still waiting for the RAF to release funds, you may still qualify for a bridging loan based on the verified claim amount.
Why You Might Need a RAF Loan
Many accident victims face financial pressure long before they receive their compensation. A RAF bridging loan helps cover:
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Medical bills and rehabilitation
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Transport and daily living expenses
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Lost income during recovery
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Household bills or rent
Instead of waiting months (or years) for your RAF payout, you can take back control of your finances today.
How Much Can You Borrow?
Loan amounts depend on your verified RAF payout value. Typically, New Heights Finance advances up to 75% of your confirmed claim amount.
For example:
If your confirmed RAF payout is R500,000, you could access R375 000 almost immediately.
We’ll always assess your situation carefully to ensure responsible lending that fits your needs.
Why Choose New Heights Finance for RAF Loans?
We’re one of South Africa’s most trusted names in pension and RAF bridging finance, known for fast service, fairness, and compassion.
Here’s what sets us apart:
| Benefit | Description |
|---|---|
| ⚡ Fast Approvals | Get approved within hours — not days. |
| 💰 Same-Day Payouts | Funds released the same day for qualified clients. |
| 🔍 Transparent Terms | No hidden costs or surprise deductions. |
| 🤝 Attorney Coordination | We work directly with your lawyer for seamless verification. |
| 🧠 Expert Guidance | Our advisors help you understand every step of the process. |
How Long Does It Take to Get a RAF Bridging Loan?
Once your claim and payout are verified, approval and payment can take as little as 24 hours.
Factors that may affect timing include:
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Confirmation from your attorney
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Verification of claim documentation
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Size of the requested advance
At New Heights Finance, our priority is speed and accuracy — because we know how urgently you need your funds.
What to Check Before Applying
Before applying for your RAF loan, ensure that:
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Your attorney can confirm your RAF payout status.
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You understand the terms of the bridging loan (fees, repayment).
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You’re dealing with a reputable, registered financial provider — like New Heights Finance.
We take pride in providing safe, responsible, and transparent funding.
Client Story: Real Help, Real Impact
“After my accident, I couldn’t work for months. My lawyer said the RAF payment might take another six months. New Heights Finance approved my loan within a day — I could finally pay for my rehab and keep my family afloat.”
— Lerato M., Johannesburg
Benefits of Getting a RAF Bridging Loan
Here’s how an advance can help you regain control:
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🏥 Pay for medical care immediately
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💵 Cover household expenses while awaiting payout
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🚘 Repair or replace your car sooner
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🕊️ Ease emotional and financial stress
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⚖️ Avoid predatory lenders offering unsafe payday loans
When life throws you a curveball, New Heights Finance helps you get back on track — quickly and safely.
Common Questions About RAF Loans
1. Can I apply directly, or must my lawyer do it?
You can apply directly. However, we’ll work closely with your lawyer to verify your claim before approving your RAF loan.
2. What happens if my payout is delayed?
No problem — repayment only occurs once your funds are released.
3. Are there upfront fees?
No. We believe in complete transparency — you’ll only pay the agreed fee when your payout arrives.
4. How safe is the process?
Very. We coordinate directly with attorneys and verify all claims before funding.
5. Do I need good credit?
No. Approval depends on your verified RAF claim, not your credit score.
Don’t Wait for the RAF – Move Forward Now
Your recovery shouldn’t be delayed because your RAF payout is. With New Heights Finance, you can get the support you need today — not months from now.
💬 Fast, fair, and friendly service that helps you move forward with confidence.
👉 Apply Now for a RAF Loan and take the next step toward financial freedom.
