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From Short-term loans to Vehicle finance, we are here to help you choose the best loan solution for your needs

Whether you need a quick cash loan or want to apply for a home loan online, we’re here to present South Africa’s best loans and lenders to you, all in one place.

Simply choose your loan type, browse through your options, choose your ideal lender and complete your online loan application in just a few minutes.

Frequently Asked Questions

Quick loans – Just the right amount of money over a short time

Save yourself the time and effort of long phone calls and endless paperwork just to get an expensive loan from a lender you cannot really trust. Within a few clicks, you will be able to secure the most reliable, affordable, and flexible online loan available on the market.

Get a tailored solution for your specific needs while enjoying an easy application and fast cash payout, on the same day in most cases. If you are looking for a loan that is as fast as a payday loan and smaller than a personal loan, a quick loan will be perfect for you.

The greatest benefit of getting a quick loan is that you can easily get approved for immediate funds without being committed to long-term debt.

Find the perfect loan for you

These trusted lenders provide a variety of hand-picked quick loan solutions for every income level and financial situation. So, you can rest assured that you will definitely find the most optimal online quick loan for your budget and needs.

Being able to borrow a small to medium amount of money over a short period is a great option in terms of affordability and getting exactly the amount you need.

Flexible &affordable unsecured and secured Quick loans

With unsecured quick loans, you will be able to access the money you need very quickly and you won’t have to provide any of your assets as collateral.

If you are looking for a quick loan with a very low-interest rate you might want to consider a secured quick loan that will be secured against one of your assets.

List of direct lenders offering Quick loans online

  1. Nedbank Quick loan

    Nedbank

    • Loans up to R200,000
    • Term up to 60 months
    • Interest from 12.50%
  2. RCS Loans Quick loan

    RCS Loans

    • Loans up to R200,000
    • Term up to 60 months
    • Interest from 15%
  3. Lime 24 Quick loan

    Lime 24

    • Loans up to R5,400
    • Term up to 36 days
    • Quick payouts
  4. African Bank Quick loan

    African Bank

    • Loans up to R200,000
    • Term up to 72 months
    • Interest from 10.5%

Online loan calculator

R
The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Online Loans for people with Bad credit

So, let’s say you have been blacklisted or you just have a very bad credit score due to missed payments and overwhelming debt. Getting a loan, the traditional way can be difficult if this is the case.

Here you can access a list of reputable bad credit loan providers that specialise in all kinds of loans for bad credit. Being a South African can be tough sometimes especially when it comes to the end of the month, without a way out of your financial crisis.

Well, the good news is that these lenders believe in second chances and work hard to give everyone a fair second go at getting the loan they so desperately need at an affordable rate.    

You can get yourself an easily obtainable bad credit loan today without the hassle or the stress.

Who can apply for a Bad credit loan?

If you are a South African that is older than 18 with a stable income you will be eligible to apply.

Remember most traditional loans won’t be approved when your credit history is bad. This is where these bad credit loan lenders are going the extra mile to make financing possible to the average South African that has been missing payments.

As long as you can afford the repayments you will very likely be approved as these lenders are more concerned about your ability to afford a loan than your repayment history.  

Get your Online loan application done by following these quick steps:

  1. Make use of our online loan calculator to select your loan amount, term, and type.
  2. Choose from a list of the best options for you based on your budget and needs.
  3. Once you have found the lender that offers you the very best loan deal in SA, you can apply and receive instant approval. It will normally only take a few minutes to receive an answer.
  4. You can then receive the cash you need within 15 minutes and 48 hours depending on the lender and the type of loan.

List of Bad credit loans from these direct lenders

  1. uBank Bad credit loan

    uBank

    • Loans up to R180,000
    • Term up to 72 months
    • Interest up to 27.50%
  2. Fincheck Bad credit loan

    Fincheck

    • Loans up to R250,000
    • Term up to 72 months
    • Interest from 16%
  3. Boodle Bad credit loan

    Boodle

    • Loans up to R4,000
    • Term up to 32 days
    • Interest from 60%
  4. Izwe Loans Bad credit loan

    Izwe Loans

    • Loans up to R250,000
    • Term up to 60 months
    • Interest from 27.75%

Payday loans for when your next salary seems way too far

Have you ever been in the middle of the month, in desperate need of urgent cash? These payday loans are extremely easy to obtain and can be paid out to your account within hours.

They are small, straightforward, and flexible loans that can be repaid on your next payday or over a maximum of 4 instalments. You can borrow up to R4,000 with very little or no credit check required at all.  

What are Payday loans used for?

Payday loans are designed specifically to tide you over until your next payday and are usually the perfect answer for cash emergencies. You can also easily take out more than one payday loan at a time.

Does a Payday loan require a credit check?

Payday loans are some of the easiest loans to obtain and normally there are very little or no credit checks done when you apply for this kind of immediate cash.

They are small, and therefore approved and paid out extremely fast. Some of these leading lenders can pay out your payday loans in less than 15 minutes.

Enjoy a convenient loan application without piles of requirements or paperwork and access the instant cash you need in no time.

List of direct lenders offering Payday loans online

  1. Southern Finance Payday loan

    Southern Financ...

    • Loans up to R4,000
    • Term up to 65 days
    • Interest from 38%
  2. Fasta Payday loan

    Fasta

    • Loans up to R8,000
    • Term up to 3 instalments
    • Quick online loans
  3. FinChoice Payday loan

    FinChoice

    • Loans up to R10,000
    • Term up to 3 months
    • Interest from 24%
  4. Boodle Payday loan

    Boodle

    • Loans up to R4,000
    • Term up to 32 days
    • Interest from 60%

Low-interest Personal loans for your everyday use

If you need immediate cash, you have come to the right place! Every now and then we all need a little extra cash to help us out. Here you can compare the best personal loan deals in South Africa.

A personal loan is a larger sum of cash that is paid out directly to your bank account once you are approved and the great part is most of these lenders don’t require strict credit checks.

A personal loan is larger than short-term or payday loans and is normally utilised for big purchases or business ideas without all the detailed questions for approval.  

How much money can I borrow with a Personal loan?

A personal loan is usually a loan amount of up to R250,000 or in some cases up to R300,000 and can be repaid in smaller and more affordable instalments over a term of normally up to 5 or in some cases 7 years.

Applying for a personal loan is still very straightforward, and the amount you can qualify for will be determined by your affordability and credit score.

You will also get the freedom of choosing your repayment term, they will then equally divide your interest and loan repayments over the period. The great benefit in all of this is that your repayment amount will be fixed throughout the lifetime of your personal loan.   

Low-interest Personal loans for your everyday use

These personal loans are amongst the very best in the country, offered by the most reliable lenders. You can use your personal loan for almost anything including your next business venture, buying a car, planning a party or event, even painting your house, or going on a holiday.

Personal loans can also be used as consolidation loans. This can help you to combine your debt into one easy-to-manage loan while improving your credit score, plus you won’t have to deal with the constant calls from your creditors.

Access the best Personal loans from these direct lenders

  1. Boodle Personal loan

    Boodle

    • Loans up to R4,000
    • Term up to 33 days
    • Interest from 60%
  2. Nedbank Personal Loan Personal loan

    Nedbank Persona...

    • Loans up to R200,000
    • Term up to 60 months
    • Interest from 10.25%
  3. FinChoice Personal loan

    FinChoice

    • Loans up to R40,000
    • Term up to 24 months
    • Interest from 24%
  4. RCS Loans Personal loan

    RCS Loans

    • Loans up to R125,000
    • Term up to 60 months
    • Interest from 28%

Debt consolidation loans – Reduce your debt the smart way

A debt consolidation loan is a personal loan that is used to free off multiple debts while only repaying one loan. It is a very common solution for millions of South Africans to get rid of their debt in a smart way.

How can a Debt consolidation loan benefit me?

An affordable debt consolidation loan can help you to combine your debt into one easy-to-manage loan while improving your credit score, plus you won’t have to deal with the constant calls from your creditors.

It will not only improve your financial situation but also your quality of life as well as your future, especially if you would still like to buy a car or a house in the near future.

What debts can be eliminated with a Debt consolidation loan?

Debt consolidation loans are specifically designed to remove all unsecured debts you might have from your stress list. This includes clothing accounts, store cards, credit cards, and a variety of personal loans.

Paying off all these debts and focusing on only one loan will free up some of your monthly income, so you can even pay off your debt faster while having the financial freedom you deserve.     

How to apply for Online loans in SA

These online loan providers are hand-picked and are all registered with the FSCA and NCA regulatory bodies of South Africa, making them reliable and responsible lenders.

Having that said, you will be able to safely and easily apply at a branch, via a phone call, or online from wherever you are.

Information you can have ready to make your loan application even smoother:

  • Your full names
  • A copy of your ID
  • Proof of address
  • Proof of income
  • Bank statements
  • Proof of employment in certain cases
  • Proof of all your outstanding debts if it is for a debt consolidation loan
  • Details of your paid-off assets when you are applying for a secured personal loan

Get out of Debt with these reliable lenders

  1. FNB Consolidation loan

    FNB

    • Loans up to R150,000
    • Term up to 60 months
    • Interest from 10.5%
  2. Debt Busters Consolidation loan

    Debt Busters

    • Asset protection
    • Lower fees
    • Affordable repayment
  3. Standard Bank Consolidation loan

    Standard Bank

    • Loans up to R300,000
    • Term up to 72 months
    • Interest from 13%
  4. Nedbank Consolidation loan

    Nedbank

    • Loans up to R300,000
    • Term up to 72 months
    • Interest from 10.25%