LoansPlus is a loan information, comparison and referral platform helping South Africans understand their borrowing options. We bring together publicly available provider information and practical explanations so you can compare costs, features and requirements before approaching a credit provider.
Our content covers personal loans, vehicle finance, home loans, business funding, short-term borrowing and debt consolidation, alongside information about credit, budgeting and managing repayments.
Our purpose: making borrowing easier to understand
Researching a loan involves more than finding a provider willing to consider your application. You also need to understand what the borrowing could cost, how the repayments fit your budget and which conditions apply.
LoansPlus helps make that research more manageable by bringing information about banks and alternative credit providers into one place. Our aim is to help you recognise meaningful differences between products and identify questions to ask before applying.
The company behind LoansPlus
LoansPlus forms part of the financial website network operated by Profitech Credit Solutions (Pty) Ltd, a South African company with registration number K2013214791.
Our role is to publish comparison information and connect interested readers with participating providers or referral partners. Access to our comparison content and submission of an enquiry through the website are free.
Helping you look beyond the headline rate
A low advertised interest rate or a small monthly instalment tells only part of the story. The repayment period, initiation fee, service fees and any required credit life insurance can materially affect the total cost of credit. Security requirements also matter when an asset is used as collateral.
For example, extending a loan over a longer period may reduce the monthly instalment while increasing the total amount repaid. Our content encourages readers to consider both affordability today and the full repayment commitment.
Borrowing may not be suitable in every situation. A provider listing cannot establish whether you will qualify, afford the repayments or benefit from taking on additional debt.
The information behind our content
Our provider profiles and guides draw on publicly available information to explain product features, costs and requirements in accessible language. They provide a starting point for your research, rather than a personalised recommendation.
Rates, fees, loan amounts, eligibility requirements and payout times can change. Confirm current details directly with the provider and read the pre-agreement statement and quotation and credit agreement before accepting an offer. Calculator results and repayment examples are illustrative, rather than binding quotes.
What happens when you make an enquiry
LoansPlus does not lend money, approve applications or set borrowing terms. If you submit an enquiry through our website, your details may be shared with participating credit providers or referral partners so they can consider your request and contact you.
The credit provider assesses your application and determines the terms of any offer. An enquiry does not confirm approval or the availability of funds, and you are under no obligation to accept an offer.
Our content provides general information and does not constitute financial advice or assess your individual circumstances. Read our Terms of Use and Privacy Policy for information about using the website and how personal information is handled.
How LoansPlus is funded
LoansPlus may receive advertising payments, referral fees or affiliate commissions from credit providers and referral partners. These commercial arrangements help support the website.
Rankings and placements are not sold and do not depend on payment or commission. Any sponsored or promoted placement will be identified as such. A provider’s inclusion does not establish that it offers the lowest cost or is suitable for your circumstances.
Our Affiliate Disclaimer provides further information about referral services and commercial relationships.
Questions, feedback and corrections
If you notice outdated information, an unclear explanation or an error in a provider listing, contact us at info@loansplus.co.za. Include the page address and the detail you believe needs attention so we can investigate.
Questions about an application, credit agreement, payout or repayment arrangement should be directed to the provider handling your enquiry.